Ready to take the next step?

Building a custom home may feel overwhelming, but it doesn’t have to be. At Summit Home Builders, we guide you through every major decision—from finding the right property and securing financing to choosing finishes and receiving the keys to your completed home.

Here’s what you can expect.

1. Initial Consultation

We begin with a conversation about your vision, preferred location, home size, design style, timeline, and overall budget.

If you already own a lot or have a floor plan in mind, we’ll review it with you. If you’re starting from scratch, we’ll help you understand your options and determine the best place to begin.

2. Finding the Right Lot

The property you choose can have a major impact on the cost and design of your home.

We can help you evaluate available lots and identify important considerations such as:

- Zoning and building requirements

- Utilities, well, and septic needs

- Flood zones and elevation requirements

- Lot clearing and site preparation

- Setbacks, easements, and access

- The suitability of the lot for your preferred home

Our goal is to help you understand the property before you commit to purchasing it.

3. Financing Your Build

Many clients use a construction loan to finance both the land and the construction of their home. We can connect you with lenders who understand new construction and help you prepare for the process.

The lender will typically review your income, credit, building plans, construction contract, project budget, and the expected value of the completed home.

Depending on your situation, you may use:

- A construction-to-permanent loan

- A separate land and construction loan

- Equity from land you already own

- Cash or a combination of cash and financing

Your lender will explain the specific down payment, closing costs, interest payments, and qualification requirements.

4. Designing and Pricing Your Home

Once we understand your property, priorities, and budget, we’ll work with you to select or develop a home plan.

During this stage, we establish the major details of the project, including:

- Floor plan and square footage

- Exterior architecture

- Structural features

- Allowances for finishes

- Site preparation

- Estimated construction cost

Before moving forward, you’ll receive a clear construction proposal outlining what is included in your home.

5. Contract and Pre-Construction

After the plans, specifications, pricing, and financing are approved, we’ll finalize the construction agreement and prepare the project for permitting.

This stage may include:

- Final construction plans

- Engineering

- Surveys and site plans

- Product and finish selections

- Permit applications

- Final lender documentation

Permitting timelines vary depending on the property and local building department, but we’ll keep you informed as the project moves forward.

6. Construction Begins

Once permits and financing are in place, construction can begin.

Your home will move through several major stages:

1. Site preparation and foundation

2. Framing and roofing

3. Windows, doors, plumbing, electrical, and HVAC

4. Insulation and drywall

5. Cabinets, flooring, tile, and interior finishes

6. Exterior finishes, driveway, and final site work

7. Final inspections and completion

You’ll receive updates throughout construction and have opportunities to see your home take shape.

How Construction Draws Work

If you are using a construction loan, the lender does not usually provide all the construction funds at once. Instead, funds are released in stages called draws.

As portions of the home are completed, the lender verifies the progress and releases the appropriate funds toward construction. Summit Home Builders coordinates the required documentation with you and your lender to help keep the process moving.

You don’t need to manage payments to every subcontractor or supplier—we handle the day-to-day construction process.

7. Selections and Personalization

You’ll select the finishes that make the home yours, such as:

- Exterior colors and materials

- Cabinets and countertops

- Flooring and tile

- Plumbing and lighting fixtures

- Paint colors

- Doors, hardware, and other details

We’ll guide you through the selection schedule so decisions are made when they are needed and construction stays on track.

8. Final Walkthrough and Completion

As construction nears completion, we’ll perform quality checks and complete the required final inspections.

We’ll then walk through the home with you, explain its major systems, and identify any final items that need attention. Once those items are completed and the home receives its Certificate of Occupancy, your lender can finalize the loan and you’ll receive the keys.

Ready to Build?

Whether you already own a lot or are just beginning to explore your options, Summit Home Builders can help you understand the next step.

Let’s talk about your property, your vision, and what it will take to bring your new home to life.

Schedule a Consultation!

Call: 941.291.8291

Visit: buildwithsummit.com