Design-Build
Purchase Land & Financial Prequalification
CONSTRUCTION FINANCING
We recommend getting approved for a construction loan. Some of our lenders are able to lock in the permanent loan rate for 12 months, depending on the program you choose. Our clients are encouraged to use one of our preferred lenders for prequalification and a construction loan as they are familiar with our budgets, construction pace, and have proven to fund on time.
For a $1 M Loan a Residential Construction Lender Typically Looks For:
FICO scores of 720 or above
Approx. $250 – $300K of taxable income for 2 of the most recent tax years
Cash reserves of approx. $100K
Debt to Income Ratio 45% or less Equity into the project 25% or more
*Subject to change based on construction costing and individual financial positions
Designing Your Home
START UP & DESIGN
1. Custom Client Initial Meeting
2. Client Financial Prequalification
3. Preperation of Cost Estimate
4. Review of Cost Estimate
5. Signing of Design Retainer Agreement
6. Architectual Review Meetings
7. Finalize Plans & Specifications
Building Your Home
HOME CONSTRUCTION
1. Signing of Construction Contract
2. Start Home Construction
3. Complete Home Construction
4. Customer Service
APPROVALS & SELECTIONS
1. Client Architectural Selection Meetings
2. Completion of Working Drawings
3. HOA Submittal & Approvals
4. City Planning Submittals & Approvals
5. City/County Permit Submittal