A. No, you do not need land. We can help you find the perfect property to build on.
A. 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.
A. Yes, we do have plans to choose from.
A. We can use your floor plan as long it meets our criteria to build from.
A. If you are financing, you will need a construction loan.
A. Depending on the size, location, and complexity of the home, the build time will vary. Most homes take between 6 to 8 months to finish once construction has begun.
A. 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.
A. 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.
A. 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.
A. 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.