Do I have to own my land before I can begin planning or building my home?
No, you do not need land. We can help you find the perfect property to build on.
Can you help us find a lot?
Yes, we can help you find the perfect property to build on.
What contributes to the final cost of the home?
When building, you need to keep in mind additional costs other than just the home, such as utilities; water, electric and sewer. Will you need a water well, or is city or community water available to tap into? Will you need electricity run to your property or is it available? Will you need a septic system or can the city sewer be tapped into? These costs can be added and we can take care of them for you. Other additional costs to consider will be, driveways, landscaping, and fencing.
Do you have stock floor plans to choose from?
Yes, we do have plans to choose from.
We already have our own floor plan. Can you build it?
We can use your floor plan as long it meets our criteria to build from.
What kind of financing do you require to build on our lot?
If you are financing, you will need a construction loan.
What is the time frame to build our home?
Depending on the size, location, and complexity of the home, the build time will vary. Most homes take between 120 to 150 days to finish once construction has begun.
What if I have a separate contractor?
If you would like to use a specific contractor,we will give consideration to using them in the construction of your home. We would need references and the opportunity to see any recent work they have completed.
What kind of loan programs are there for building on my lot?
There are many financing programs available. It is always best to speak directly to a Lender about your options. If you do not have a Lender, we can refer you to one of our preferred Lenders.
When will I make my first payment on my loan?
Most Lenders will require payments during the construction phase on the construction loan, based on the amount drawn on the loan each month. The Lender will let you know what their repayment schedule is.
When do I start insuring the property?
You will not be responsible for insuring your new home until you have closed on the refinance loan. Your Lender will let you know when they need the policy to go into effect. We will carry a Builder's Risk Insurance policy throughout the construction of your home.