How long does it take to build my home?
Our typical build time is roughly nine months. Building a home is dependent on a variety of elements such as the size, level of detail and even weather.
What is the payment process as we are building?
Most customers get a construction loan. We require a down payment, then submit monthly progress draws to the lender. Every construction withdraw is backed up by a notarized sworn statement and signed lien waivers from our suppliers and trade contractors. At the time of occupancy, customers typically convert their construction loan to a mortgage.
Are banks still lending money to build and buy homes, or have they stopped for now?
There are many very competitive loan programs available. Call us for a list of local mortgage officers.
What is a construction loan?
A construction loan is a short term (six months to one year) loan that pays for construction as it progresses. While the home is being built, you only pay the interest on the outstanding balance. At the end of the construction, typically, the loan converts to a regular mortgage.
Can I buy my own materials?
Generally speaking, the answer is no. To us, it’s like asking a restaurant boil the pasta you brought yourself. There are some areas where your materials are okay. Appliances are usually the first that comes to mind. Other allowance items, such as light fixtures or tile, could be brought in, but you would generally be responsible for correct quantities and quality of materials. Your best option in regards to pricing is to work with our Design Center, which typically receives better pricing than you buying at a retail store.
Do I need to buy insurance?
Yes, you will need insurance, generally referred to as “builder’s risk.” It is basically a homeowner’s insurance policy, without the contents. We’re listed as an additional insured, so work in progress gets paid for in case of an event. We have liability insurance, workman’s comp, and theft of materials on-site before installation.
Do you take out the building permit?
Do you have a warranty?
We provide a one-year-warranty to all residential customers for materials and workmanship. At occupancy, we do a walk-through to make sure everything is right. Because we pride ourselves on customer satisfaction, we also include a two-year mechanical, 5-year water leak, and 10-year structural warranty. For more information, please call us at 269-556-1111.
How will we ever find a plan?
It’s not as hard as you think to find a home that fits your lifestyle. We recommend you start making a list of MUST HAVES and a list of WANTS. Sometimes it’s easier to create a list of items you DON’T WANT, which is great for us to start with too! If you hate writing, start a Pinterest board or grab some photos to show our team what you like. Then think about how large your home will be in terms of square footage. Most plans can be modified to suit your individual needs, and if you absolutely cannot find the right plan, or have a “special” building site, then we can have a custom plan drawn for you.
How will we have time to find all of our materials and finishes?
You don’t have to worry about finding the time. We’ve made it easy for you. Our Design Studio includes a variety of options for all of your interior and exterior selections, eliminating the need to drive all over town. Our designer guides you through the entire process and keeps you within budget.
Do you do all the work yourself?
We employ several skilled carpenters and do most of the trim, cabinets, countertops, and flooring installation. We complete underground drain tile and prep for basement floors ourselves. We contract some of the areas highest quality trade contractors, for work such as framing, plumbing, heating, electrical, siding, concrete, and roofing.
How do I know you are paying all of your suppliers and trade contractors?
Do you have a license and insurance?
Why do you have so many carpenters working for you? I heard it was cheaper to use subcontractors.
What are allowances?
Allowances are items in the contract where pricing may vary, usually dependent on a customer’s selection. Light fixtures, flooring materials, and appliances are examples of common allowances. If building on a customer’s property, we may include the excavation costs as an allowance. We try our best to make sure each allowance closely matches the projected cost. At the end of the job, customers will write us a check for the overages, or we write one back for any credits.
What is a change order?
A change order is when the client, or job-site conditions, requires a change in scope of the original contract documents. Change orders may be a cost, a credit, or a no-charge item. If extra time or materials are added to the project, we generally add our overhead and profit to the cost of the change.