Building a new home requires pouring a foundation, framing the walls, running wires and pipes and (eventually) finishing the interior trim. Throughout the process, there’s also a decent amount of paperwork to take care of. Here’s a guide to the documents you’ll need when building a home.
Blueprints are the documents that show how your house will actually be built. The term “blueprints” comes from an era when the plans were printed on blue paper for time- and cost-saving reasons. Most plans are no longer printed on blue paper, but people still frequently use the moniker. You might also hear them called “plans” or “drawings.”
You’ll have a lot of input in your home’s design, but the blueprints will be officially drawn up by a building professional. In most cases, an architect and an engineer develop the plans. Your home builder will be able to recommend both, and they may directly employ people in these capacities.
In most jurisdictions, permits must be secured before a major building project (including building a home) is undertaken. Permits are given out by the local governing body, and they show that you have approval to proceed with the work.
Obtaining permits usually requires going before the local government, and exactly what permits are needed depends on local law. Because this is such a localized step in the home building process, your home builder will likely take care of getting all necessary permits. They’ll know how to determine what permits are required and what steps must be taken to get those permits.
When building a house, it’s normal to first get a construction loan and then get a home mortgage. The construction loan is intended to finance your building project, and then the home mortgage is used to pay off the construction loan once the house is built. Both a construction loan and a home mortgage will come with extensive paperwork. Every aspect of the loan will be detailed in the loan documents, and signatures or initials are often required in multiple places. A loan officer will help you apply for each type of loan at the appropriate time.
The loan officer will ensure all documents are in order, and they’ll answer any questions you have about the fine print. They’ll serve as your guide through securing financing for your new house.
Your home construction company might have a financing team of loan officers who can help you. If the company doesn’t offer financing in-house, they’ll undoubtedly be able to recommend a loan officer who has a good reputation.
You’ll almost certainly need homeowners insurance to protect your new house against damage and destruction. A policy will be required if you end up with a mortgage, and getting that vital protection is generally wise even if you buy your new home outright.
An insurance agent can help you check what your homeowners coverages needs are, and they can assist with finding a policy that provides sufficient protection. You can find an agent in your area, or you can ask your new home construction company if they’ve heard recommendations from anyone.
Unless you work in the residential construction industry, you’re probably unfamiliar with the various documents that are needed during a new home construction project. You don’t need to sort through all of the documents yourself, though. Rely on your construction company to help you through these various aspects of the associated paperwork, and the process should go smoothly.
Dianne is a full time, full service, state licensed Realtor®, member of Northeast Florida Regional Association of Realtors® (NEFAR), St. Augustine/ St.Johns County Board of Realtors, National Association of Realtors® (NAR), Florida Association of Realtors® (FAR), and Northeast Florida Regional Multiple Listing Service And St. Augustine/St. Johns (MLS), Shearwater Certified, and Military on the Move Designation.
She provides a unique blend of leadership, sales acumen, project management, technology, and world class customer relation skills to enhance Watson Realty Corporation's values in the real estate sales and mortgage marketplace. She is a decisive take action solution-oriented professional with 25+ years of progressive business experience who efficiently utilizes technology to improve results. She has lived in the St. Augustine/Jacksonville area since 2005 and has seen the area continue to flourish and stays well informed of future growth plans within Northeast Florida.
Let's take a look at the lighter side of Dianne. She loves life is artistic loves music, the arts, yoga and genealogy! She loves to explore and hates to be bored. She loves the outdoors, especially plant life and wildlife. She has been a Master Gardener in Florida and Maine; as a photography enthusiast she has the eye to spot the perfect shot, which spills over to the photos she makes of the properties she markets AND frequently hires the best specialized real estate photographers/drone and videographers who make the difference in the sale. And, she loves to share her knowledge of the local real estate market and all aspects of the process to guide you through each step as a coach rather than a salesperson.
So, let's sum it up. Buying or selling your home is an important life decision. Reasons can vary greatly from change of lifestyle, to relocation or life challenges. You need someone you can trust, count on, respect and help shoulder the stress, anxiety and time commitment involved. Doesn't this sound like someone you want working for you?
So, what's the next step? Contacting Dianne of course. It is all about YOUR needs, goals, timeline and DREAMS! She's here to help you achieve them and she looks forward to hearing from you.
What are you looking for in a Realtor? - Someone who will really listen to your wants and needs? Someone who will expertly market your home until the SOLD sign adorns your front lawn or if you are a buyer tirelessly researches your wish list to find that perfect home? - How about someone who will always be honest, holds ethics in high regard as a realtor, who works aggressively to get you the best price for your home and someone who knows the market?
Selling or buying a home is a partnership with your trusted advisor- Dianne Drinkwater