Steps to Homeownership

1. Get Pre-Approved for a Construction Loan
   A construction loan is required as it allows us to order the home and pay the contractors throughout the process of your project. Your bank will have specific information on how they process these types of loans. Typically the will require a 20% down payment, but depending on the lender, they may allow you to use equity in your project.
2. Select a Final Floor Plan
   Now that we know how much the bank will lend you, we’ll need to select a final floor plan. We will review colors and options then send it to the manufacturer for them to provide an actual quote.
3. Get Contractor Pricing
   We can now request quotes from the contractors for the the installation of the home, site-work, and utilities. These prices are on top of the estimated pricing from the manufacturer. We do require that you provide a full set print of your wastewater plans as they are need to accurately quote your site-work costs.
4. Contract Signing & Bank Approval
   Now that we have the costs for the home, installation, site-work, and utility installation, we can sign your contract and send it to the bank. The bank will then do a pre-appraisal to ensure the homes value is equal to or greater than the amount that you are requesting to borrow from the bank.
5. Order Your Home & Begin Site-Work
   Once the bank gives its final approval, we can order the home and begin the work on the site to prepare for the home's arrival.
6. Home Installation & Final Walk Through
   Now that your site-work has been completed, your home can be installed once it is delivered by the manufacturer. Depending on the size of your home, this process could take two to three weeks. Once the installation is complete, we will do a final walk through and you can then move into your new home!