Buying new construction
Eight milestones.
One clear path to your keys.
A brand-new home comes with its own path - the builder's contract, the design center, the build itself. Here is the full path, so you always know what's next and how to protect yourself.
Contract
Sign the builder agreement, pay earnest money, and review contingency language - especially the appraisal contingency.
Pre-approval
Get pre-approved with your own lender first, so you can compare builder financing from a position of strength.
Realtor onboard
Bring your own Realtor from the very first builder visit - the builder's on-site agent works for the builder.
Design center
Set a firm upgrade budget before you walk in and stick to it - every upgrade dollar adds to your loan amount.
Rate lock
Lock an extended rate that covers the full build window with buffer, and ask about a float-down option.
Build & monitor
Construction is underway; request your own milestone inspections rather than relying only on the builder's.
Final walk-through
Walk the completed home with a punch list and get every defect noted in writing before you close.
Close & move in
Certificate of occupancy issued, loan funded, keys yours - confirm the CO before giving any rental notice.
Four things that make a big difference when you buy new construction.
Your own lender
Get a Loan Estimate before you sign with the builder's preferred lender.
A design budget
Decide your upgrade ceiling before your design center appointment.
An independent inspector
Schedule your own milestone inspections separate from the builder's.
A tax cushion
New builds are often reassessed once complete - ask your county how they handle the timing.
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We model your builder incentive, structure your rate lock, and give you an independent Loan Estimate - so you can make the right call.