Frequently Asked Questions

 

•  Do I need a construction loan for you to build my house?

•  Can I make changes to the floor plans? 

•  How much does it cost per square foot to build a home?

•  How long will it take to build my home?

•  How do I know what I can afford to build?

•  Can I build a home if we currently own a house we need to sell?

•  Can I choose the colors for the granite and cabinets in the kitchen?

•  If I have building plans already, can Horizon build from my plans?

•  I like one of Horizon's floor plans. Does Horizon have lots or will they help me find a building lot?

•  I want to have a finished basement. Would Horizon finish my basement or do they just build houses?

•  Do I have to pay for all of our options up front? 
•  Do you have model homes for us to see?
•  When should I apply for my finance approval?

 


Do I need a construction loan for you to build my house?

No... not if you are building on one of our lots or you own the lot we are building on. A 5% deposit is all that is required with the Builder Agreement of Sale. There is one settlement when construction is done and depending on the price point, the purchase can be financed with a standard conventional mortgage, FHA or VA loan. If you are purchasing a building lot for us to build on, a construction loan can finance the entire process. We can put you in touch with lenders to match your financing needs.

 

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Can we make changes to the floor plans?

Yes! With years of design experience, we will help you make modifications to the floor plans and amenities to customize your building plans and give you everything necessary to get your home just the way you want it.
 

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How much does it cost per square foot to build a home?
So many variables affect cost-per square foot value, making it impossible to offer pricing in that manner. We can provide you with accurate pricing once we have information regarding the size and style of the home, structural design, building materials and options.
 

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How long will it take to build my home?
Our standard build time is 60-90 days from receiving the building permit. Longer time frames may be necessary depending on home size and interior finishes. Weather and client changes can cause delays the completion date, but we do everything we can to settle on time.
 
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How do I know what I can afford to build?
Prior to signing the Builder's Agreement, we will put you in touch with a preferred lender who will qualify you for a mortgage and determine your maximum sale price. Now that you know your budget, our sales representative will help you select a model home and options within your budget goals.
 

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Can I build a home if we currently own a house we need to sell?

Yes. If you qualify for a mortgage for the new house while still owning your current home there is nothing preventing you from building a second home. And, if you plan to sell your current home and move into the new home when it's done, we can put you in touch with a real estate agent to help you market and sell your home and coordinate both sales. If you do not qualify to carry mortgages on both homes, we do offer home sale contingent arrangements for some locations and can put you in touch with a real estate agent to sell your house.

 

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Do we get to have a say in the colors for the granite and cabinets in the kitchen?

Absolutely! Everyone's needs and tastes are different. We will guide you through the many selections from the style and finish for your cabinets and granite counters, to color and style selections for the carpet, hardwood or tile, to color choices for the exterior of your home including siding, the roof and shutters.
 

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If I have building plans already, can Horizon build from my plans?

Yes. We have designed and modified floor plans many times. Whether you start with a floor plan you have or select one of ours, we can customize and build your dream home so it's exactly what you want. 
 

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I like one of Horizon's floor plans, but prefer to build somewhere else. Does Horizon have other lots or will Horizon help me find a building lot?

If none of the lots we have suits your needs, just let us know what you are looking for and we can help you locate a suitable building lot.
 

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I want to have a finished basement, but I don't want to do that for at least a year. Would Horizon finish my basement or do they just build houses?

Horizon Custom Builders not only builds houses, we also do additions, renovations or makeovers, and finish basements. As we build you house, share with us your plans for finishing the basement so that we can plan the basement layout based on your future plans.
 

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Do we have to pay for all our options up front?

No, not unless you want to. Options and upgrades can be added to the sale price and financed with the mortgage.
 

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Do you have model homes for us to see?

Yes. Most developments will have at least one model home for you to walk through.
 

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When should I apply for my finance approval?

Prior to signing the Builder's Agreement, you should select who you are using for your mortgage financing, get pre-approved and obtain a Mortgage Pre-Approval Letter and Closing Cost Estimate which are to be provided when you sign the Agreement of Sale. You will need to contact the lender within 10 days of executing the Builder's Agreement to make your formal mortgage application and start the loan process.

 

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