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The decision to begin looking for a new home is an exciting one, but it can also be full of demands, deadlines and decisions. That is especially true if you decide to build a new home rather than buy a completed model or a previously-owned home. Knowing how to prioritize your needs and the best ways to simplify the process can make the difference between a smooth journey and a path full of bumps and pitfalls.
Here are 3 things to consider:
Building a new home is one of the best possible ways to get exactly the location, space, style and amenities you want for your family. But it also requires determination, self-restraint, and a good deal of “homework” on your part to ensure that the final result is a reflection of your dreams rather than a bit of a nightmare. Interview several builders; ask specific questions. Base your decision on quality as well as price, and remember that it is a business relationship rather than a friendship. Develop plans and specifications that will guide the process, and sign a binding contract.
There are a variety of South Carolina new construction loans available, and you’ll want to compare financing options in the same way you compare builders. A new construction home loan from Midland Mortgage can be tailored to meet your individual situation. Our local loan experts will answer your preliminary questions, guide you through pre-construction requirements, and then work closely with your builder to assure that funds are allocated and disbursed properly from groundbreaking through final completion and closing.
Work with a reputable builder and lender, whether you own a lot and develop plans for a custom home, or choose a builder plan in an existing subdivision. Develop a realistic budget and resist the temptation to add extras or make changes as construction proceeds. If you have analyzed your needs and made provision for some “wish list” items, your new home will be a reflection of your individuality as well as a sound financial decision. For information about Midland Mortgage financing options or details about a new construction home loan, simply submit a General Inquiry form online. We have experienced loan officers to serve you at our convenient locations in Lexington, Charleston or Columbia.
Midland Mortgage wants to help you get the home of your dreams. Contact Us today to get started.