New Construction

These are the most popular you will see as the builder promotes the entire community with a set, pre-approved
floorplan and limited options to make structural changes while under construction. However, you may be able to make selections for finishes like flooring and hardware. Considering the permit process to get started can take
months, the builder has already completed this step PRIOR to marketing to the public.

In turn, they can deliver a Certificate of Occupancy within 90 days - which means a seamless closing and you get
the keys alot quicker.

These homes offer the added benefit to make structural changes like ceiling height, location of plumbing and room
sizes without detrimentally extended the timeline to close on the home.

Since they already have a set of varying floorplan options already approved, usually the change order process is
internal.

• Fowler & Sons
• Wilkinson Homes
• Caruso Homes
• Benchmark Builders
• LC Homes
• Toll Brothers
• Schell Brothers
• Lennar Builders  

These are one-stop homes built on lots OWNED by private builders. Many customers inquire about this option when referring to the previously listed choices BUT they are NOT the same because the process is completely different.

The benefit is the builder delivers the home you want while taking on all the liability during the construction process. They may also offer to purchase a lot within their build area as long as it is reasonable for their business.

• Blue Hen Builders, CGM Homes, MadClay Homes or Garrison Homes  

This is the ONLY option that requires to use a lender that specifically funds Construction to Permanent Loan OR requires the buyer to hire the builder to complete their project.

Vendors include:

• Bay to Beach Builders
• U&1 Builders
• JBS Homes
• Carl Deputy & Sons
• Berach Homes 

Serves as the introductory meeting to provide an overview of how your home will be built and how they operate. This is the time to pick their brain - ask questions, learn about the functionality of the home including maintenance and builder's warranty.

By the end of the meeting, you will have the information and resources you need to make an informed decision.  

This is the opportunity to view the home in the framing stage.

If you would like to use a third-party vendor, just let us know which company you would like to conduct. For details, consult the National Association of Certified Home Inspectors (NACHI) website.  

Thoroughly check the quality of paint, flooring, cabinets, etc., and mark any discrepancies to have repaired prior to the final walkthrough and closing. Take time to walk through the home and mark anything you are unsatisfied
with.

If you are unhappy with the quality of repairs, we can address those with the builder prior to closing on the home. Satisfaction is important. Do not depend on the builder's warranty.

DO NOT close on the home until the quality is sufficient.  

You will meet at the closing attorney's office and sign all the paperwork to transfer title from the seller to your name. The closing attorney will explain all documents during closing.

During this phase, you will borrow funds to cover the construction costs. The lender will disburse the loan amount
in installments, known as "draws," as construction progresses. You only pay interest on the amount disbursed, rather than the entire loan value.

Once construction is complete, the loan automatically converts into a traditional mortgage, and you start making
regular mortgage payments. This eliminates the need for a separate closing process and minimizes the associated costs and paperwork.