How To Build
Building your home
If you've never built a new home before, the prospect of building one can seem daunting. That's why we think it's helpful to remember that it is a definite process. Because we at Centex have been through the process over a half million times, we know each step intimately. Look them over. We think they'll help you see that the building a home is not so intimidating after all.
Decide what kind of new home you want to buy
Are you looking to build a home based on your specific needs? Or, are you looking to move this month? If that’s the case, you'll want to look for a "spec" or "inventory" home. These residences offer you all the benefits of living in a new home, but the initial design and building processes have already been determined for you.
Decide on a builder
Begin by selecting a builder who specializes in the type of home you want to buy. Make sure they have experience in the area you want to build, and that they have a history of building quality homes. Take the time to check their references and talk to past customers. You may want to read Key Questions to Ask Your Builder for more information.
Determine how much you want to borrow, at what rate, and for how long. A Pulte Mortgage Representative will ask you for the standard documentation: your latest income tax returns, statements detailing your assets, your credit history, and so on. Keep in mind that your loan would be approved at the time you finalize the sales contract with the builder, but you won't assume the mortgage until the house is closed. During this time you may also decide you want to add more options. Pulte Mortgage allows you to make loan adjustments to pay for the costs of the upgrades; others require that you pay cash. To learn more about your financing options, visit Pulte Mortgage, LLC.
Finalize sales contract
The sales contract will specify, to varying degrees, the dimensions and features of the proposed home, site plan, materials to be used, and delivery date. Reading and understanding all the documents may be a bit overwhelming; however, you won't be doing this alone. Knowledgeable sales and construction individuals will be there to help you through the process. In some states, you'll be required to submit your contract before an attorney for review before it's considered binding. Don't hesitate to ask questions.
Home construction can take two months, the better part of a year, or sometimes even longer. The time of construction, however, is dependent on the complexity of the home, the availability of construction trades and materials, and, of course, the weather. We want your involvement at each critical stage of the construction process.