Patrick Haley

Cheaper to Build Custom than Buy Existing Homes

Posted on November 4, 2024 by - Planning your build

Custom Home built by G.J. Gardner Homes in Colorado

Building a Custom Home Costs Less per Square Foot than Buying Existing Properties

In a surprising turn of events, building a custom home in 2024 is now more affordable per square foot than buying an existing one. According to a recent study by Zillow, the cost per square foot of new homes in the United States is now lower than that of existing homes—a shift influenced by rising land costs, the growing demand for custom features, and innovative construction technology.

Why Custom Homes Are Becoming More Affordable

A combination of economic and consumer-driven factors is driving this trend:

  • Rising Land Costs: As land prices rise, securing affordable lots for new builds becomes challenging. This drives up the value of pre-existing homes as buyers pay a premium for completed properties.
  • Demand for Customization: Many buyers seek homes that match their unique needs, leading to a boom in custom home construction and, subsequently, more competitive pricing.
  • Technology-Driven Affordability: Technological advances, like 3D printing, have made building custom homes faster and more cost-efficient, allowing builders to pass these savings to homebuyers.

Key Benefits of Building Custom vs. Buying Existing Homes

Building a custom home offers a range of unique advantages:

  1. Choose Your Location: Find the perfect lot that suits your lifestyle.
  2. Design to Your Taste: Customize everything from layout to materials to create your dream home.
  3. Select Quality Materials: Opt for finishes and materials that align with your aesthetic and budget.
  4. Enjoy Energy Efficiency: Many new builds integrate eco-friendly systems for reduced utility costs.
  5. Build for Longevity: Create a home designed to last for generations.

These benefits make custom homes a wise choice, especially for buyers seeking tailored, high-quality builds within budget.

Modern Homebuyer Priorities and Move-In Readiness

Zillow’s New Construction Consumer Housing Trends Report indicates that 43% of new homebuyers select new builds primarily for their move-in-ready status, reducing the need for immediate repairs or renovations. Budget considerations were critical for 89% of these buyers, who also valued energy efficiency and climate control in their decision-making.

The Future of Custom Homes in the U.S. Housing Market

As we move into 2025, it’s clear that the affordability of custom homes over existing properties is a significant development. This shift could stimulate the economy, create construction jobs, and provide buyers with accessible paths to achieving their dream homes. However, the trend could also result in a tighter supply of existing homes, potentially raising prices and impacting first-time buyers.

Ultimately, the rise of affordable custom homes reflects changing buyer values and technological advances, making custom builds an increasingly attractive option for those entering the housing market.

Sources:

  1. Zillow, New Construction Consumer Housing Trends Report, 2024.

How to Finance Your Custom Home Build: A Complete Guide

Posted on June 19, 2024 by - Planning your build

Did you know that you could save money building a home over buying a home? It all starts with choosing the right financing option. In this guide, We will show you how to finance your custom home build. 

Continue reading to review your options. 

Section 1: Understanding the Basics of Financing a Custom Home

Funding a custom home has a construction loan or construction-to-permanent loan, which needs detailed plans, builder approval, and payments in stages, usually with higher down payments and interest rates. 

Buying an existing home is simpler, using a regular mortgage, with lower down payments and a single payment at closing. Custom home financing includes handling construction risks and fluctuating interest rates. While financing an existing home focuses on property value and stable loan terms.

Short Answer: 

  • Credit score: A higher credit score increases your chances of getting a loan approved with favorable terms.
  • Down payment: custom homes usually need a 20-30 % down payment. 
  • Income and employment: You will be required to share your income and steady employment history to be approved for any loans. 
  • Detailed plans/budget: Lenders will need detailed plans, budgets, and timelines for your build. 
  • Builder reputation: You need to know if you can trust your builder. Lenders will also have to approve them by verifying their experience and reliability.
  • Land value: The cost of your land can and will impact loan terms and amounts.
  • Appraisal: The projected value of your home will be needed for approval.
  • Savings and Reserves: Having extra savings to convert unexpected expenses can be helpful in the approval process. It can also save you from any expenses a careless builder might go over.
  • Market conditions: interest rates and the real estate market can impact your loan terms.

Section 2: Common financing options

Below are several financing options available when building a home. 

Construction-to-Permanent Loans:

  What it is: 

  • A type of loan that funds the building of the home and then converts it into a mortgage once the construction is finished. You only have to deal with one loan and one closing process

Pros:

  • A single closing process has less paperwork and closing costs.
  • Interest rates are locked in at the beginning of the loan. This means you have predictability with you build 
  • The process is much faster because the loan is preset to convert into a permanent mortgage after the construction of your home.

Cons:

  • You will need a down payment of around 20% (higher than other loans)
  • The approval process is more strict and even requires approval from the builder.
  • Interest rates can be higher during construction. 

 Ideal for whom

  • Borrowers who want the transition from construction to mortgage to be swift.
  • Those who want to lock in interest rates early.
  • Those who want to simplify financing their homes with a single loan.

Stand-Alone Construction Loans

What it is

A short-term loan that is only used to finance the construction of the home. After the construction is completed a separate mortgage needs to be obtained to pay off the construction loan.

Pros:

  • There is a chance that you can have lower costs than a construction-to-permanent loan. 
  • Flexibility to shop around for another mortgage after the construction is complete.

Cons:

  • There are two separate loans and two sets of closing costs
  • No guaranteed interest rate until your construction is complete.
  • Increased risk of fluctuating interest rates between the construction and the permanent mortgage. 

Ideal for whom?

  • Borrowers who can manage two loans 
  • Those who believe interest rates might drop by the time construction is done.
  • Individuals who want the flexibility to choose their permanent mortgage lender.

Home Equity Loans and HELOCs:

What they are?

Home Equity Loan: A fixed-rate loan that uses the equity in your existing home as collateral. You receive a lump sum and repay it over a set period with fixed monthly payments.

Home Equity Line of Credit (HELOC): A revolving line of credit based on the equity in your home. You can draw funds as needed during a set draw period and make interest-only payments during that time.

Pros:

  • You can get funds faster and usually at lower interest rates
  • Interest rates can be tax deductible if the loan is used for home improvements. (Remodeling partial rebuilding)

Cons:

  • Take a large amount of equity from your existing home.
  • You risk foreclosure if you can’t pay the loan back.
  • HELOCS have variable interest rates that can increase over time.

Ideal for whom?

Homeowners who have a lot of equity in their current home

Homeowners who don’t want to take out a separate construction loan

Those looking for flexibility in borrowing and repayment.

  Personal Savings and Investments:(Money you have saved or invested in stocks, bonds, IRAs, etc.)

    – How to use them

These loans require the use of your savings or assets. 

 Pros:

  • No interest payments or loan approval process.
  • Full control over your budget and payments.
  • No risk of foreclosure due to missed payments.

Cons:

  • Drains your savings and reduces liquidity.
  • Potential loss of investment growth if funds are withdrawn from investment accounts.
  • Limited by the amount of cash and investments available.

Ideal for whom?

  • Individuals with large savings and investment accounts 
  • People who want to avoid debt and interest payments
  • People who want financial control over their home build.

 Traditional Mortgages (End Loans):

How they work post-construction

Once you complete the construction of your home an end loan or “traditional mortgage” is used to pay off the construction loan. This is a standard 15 or 30-year, fixed or variable interest rate.

Pros:

  • Familiar loan structure (it’s what you would get for an existing home) 
  • Can shop around for the best rates once construction is complete.
  • Easier approval process than the construction loan. 

Cons:

  • You will need two separate loans
  • Two sets of closing costs 
  • The interest rate is uncertain until the loan is secured. 

Ideal for whom

  • Borrowers who want the stability of a traditional mortgage after construction.
  • Those who can handle two separate loans.
  • Individuals who are looking to lock in the best possible long-term mortgage rate.

FHA Construction Loans:    

What they are

FHA construction-to-permanent loans are government-insured loans that cover the home’s construction and permanent financing. They are designed for borrowers with lower credit scores and lower down payments.

Pros:

  • Lower down payment (as low as 3.5%)
  • Lenient credit score requirements
  • Combines construction and financing loans into one loan

Ideal for whom

  • Borrowers with low credit scores and or limited access to funds
  • First-time home buyers 
  • Individuals seeking government-backed loan security

VA Construction Loans

What they are:

VA construction loans are available to eligible veterans, active-duty service members, and certain National Guard and Reserve members. These loans can cover the cost of constructing a new home and often come with desirable terms.

Pros:

  • No down payment is required.
  • No private mortgage insurance (PMI).
  • Competitive interest rates.
  • Flexible credit requirements.

Cons:

  • Limited to eligible veterans and service members.
  • The VA approval process can take a while
  • Not all lenders offer VA construction loans.

Ideal for whom?

  • Eligible veterans and active-duty service members.
  • Those seeking to benefit from the VA loan program’s favorable terms.
  • Individuals who qualify and want to minimize upfront costs.

Section 3: Step-by-Step Guide to Financing Your Custom Home

Step 1. Assess Your Financial Situation (8-point checklist) 

1. Check your credit report: 

You can check your credit report for free once every year. Get it from each of the three credit bureaus. Review the reports for errors or mixups and dispute anything inaccurate.

2. Understand your credit score: 

Know the key factors that affect your credit score like credit usage, length of credit history, types of credit, and recent credit inquiries. Try to maintain a credit score of 680 or above for the best terms and approval rates.

3. Improve your payment history:

Pay your bills on time. This is a huge weight on your credit score. You can also set up automatic payments to avoid missed payments. 

4. Reduce credit utilization:

Keep your card balances low. No more than 30% usage of your credit cards. If you can pay off high-interest debt ASAP. 

5. Avoid new credit inquiries 

Limit the number of new credit applications, as each inquiry can temporarily lower your score. Only apply for new credit when necessary.

6. Maintain old credit accounts 

Keep older credit accounts open, as a longer credit history positively impacts your score. Use old accounts occasionally to keep them active.

7. Diversify credit types

Having a mix of credit types (credit cards, installment loans, mortgages) can boost your score. Just make sure you are responsible for all forms of credit. 

8. Monitor your score

Use credit monitoring services to track changes in your score. Address any issues promptly to maintain or improve your credit rating. Tools like credit karma work great and help you stay current with your credit.

Step 2: Research and Compare Lenders

To find the best lenders and loans for building your custom home, ask friends for recommendations and check online for lenders. Look at their rates, terms, and reviews. 

Meet with them to see if they can customize a loan to fit your needs. Choose the one that offers good terms and fits your project well.

Step 3: Get Pre-Approved

To get pre-approved, provide financial documents to the lender, who checks your credit and job status. This helps you know your budget and speeds up the final loan approval process.

Step 4: Secure Your Loan

1. Loan Application and Approval

   – Submit Application: Provide financial documents to your lender.

   – Approval: The lender reviews your credit and finances, giving conditional approval.

2. Prepare for Closing

   – Finalize Plans: Complete detailed construction plans with your builder.

   – Appraisal:** Lender appraises the expected value of the home.

   – Builder Approval: Ensure your builder is approved by the lender.

3. Lock in Terms and Rates

   – Negotiate Terms:** Lock-in interest rates and loan terms with your lender.

4. Closing the Loan

   – Review Disclosure: Check the Closing Disclosure for loan details.

   – Sign Documents: Sign all necessary paperwork at the closing meeting.

   – Pay Costs: Pay closing costs like appraisal and attorney fees.

5. Disbursement of Funds

   – Initial Draw: Lender releases initial funds to start construction.

   – Draw Schedule: Set a schedule for funds release as construction progresses.

6. Starting Construction

   – Begin Work: The builder starts construction according to plans.

   – Inspections:  Lenders inspect work at each stage before releasing more funds.

7. Managing Construction

   – Track Progress: Monitor the timeline and budget.

   – Handle Changes: Adjust plans and budget for any changes or unexpected costs.

8. Final Inspection and Completion

   – Final Inspection: Lender inspects completed home.

   – Certificate of Occupancy: Get a Certificate of Occupancy from local authorities.

9. Convert to Permanent Mortgage  

-This is only for some loan types: Construction-to-permanent loans convert automatically. Otherwise, apply for a permanent mortgage.

10. Move In

   – Complete Paperwork: Finalize any remaining paperwork.

   – Move In: Move into your dream home.

Section 4: Tips for Managing Finances During Construction

Tips to Stay on Budget

Detailed Planning:

   – Set a Realistic Budget: Establish a comprehensive budget that includes all construction costs, permits, fees, and a contingency fund for unexpected expenses.

   – Finalize Plans Early: Have a detailed design and plan in place before starting construction to avoid costly changes later.

Choose the Right Builder:

   – Reputable Builder: Select a reputable, experienced builder with a track record of completing projects on time and within budget.

   – Fixed-Price Contract: Consider a fixed-price contract to prevent unexpected cost increases.

Monitor Expenses:

   – Track Spending: Regularly compare actual expenses against your budget. Use software or a spreadsheet to track all costs.

   – Weekly Reviews: Conduct weekly reviews with your builder to discuss progress and any potential budget issues.

Avoid Changes:

   – Minimize Changes: Stick to the agreed-upon plans as much as possible. Changes during construction can lead to delays and increased costs.

   – Change Order Process If changes are necessary, use a formal change order process to understand the impact on the budget and timeline.

Purchase Wisely:

 Buy in Bulk: Purchase materials in bulk where possible to take advantage of discounts.

 Quality vs. Cost: Balance quality and cost when selecting materials and finishes. Sometimes, mid-range options can provide good quality without the high price tag.

   Compare Bids: Obtain multiple bids from subcontractors and suppliers to ensure competitive pricing.

   Negotiate: Don’t be afraid to negotiate prices and terms.

 Regular Inspections:

On-Site Visits: Regularly visit the construction site to monitor progress and ensure work is being done to your standards.

 Professional Inspections: Hire a third-party inspector to check work at key stages to avoid costly repairs later.

Financing Costs:

Understand Loan Terms: Be aware of the terms and conditions of your construction loan, including interest rates and draw schedules.

Timely Draws: Ensure timely and accurate draw requests to avoid delays in funding that can impact the project timeline.

Address Issues Promptly: Quickly address any issues or concerns to prevent small problems from becoming costly delays.

By following these tips and maintaining a proactive approach, you can better manage your custom home build and stay within your budget.

Communication Tips: 

Establish Clear Expectations:

Discuss your budget, timeline, and expectations with your builder at the start and ensure everything is in writing.

Regular Updates:

Hold regular meetings and request written progress reports.

Effective Channels:

Designate a primary contact and use various communication methods.

Be Responsive:

Respond promptly to questions and issues to prevent delays.

Transparent Communication:

Encourage open discussions about concerns and budget updates.

Address Issues Early:

Address issues or changes immediately to avoid cost escalations.

Document Changes:

Use formal change orders for modifications and ensure written approvals.

Clear Instructions:

Provide detailed instructions and use visual aids for clarity.

Regular Site Visits:

Visit the construction site regularly to check progress and discuss concerns.

Feedback Loop:

Encourage feedback from your builder and use it to make informed decisions.

Handling Unexpected Costs:

  • Having financial reserves (about 10-15%) of your original budget should be set aside and used sparingly. 
  • Go with a transparent builder and if possible offer a price lock-in guarantee. (We at GJ Gardner offer one) Read below to learn more.

GJ Gardner Price lock guarantee: Once we get through the design process and approval we will give you one last estimate. After our final estimate we guarantee you that we won’t go over a dime, and if we do we will eat the costs so you can build stress-free. 

Section 5: FAQs

1. What is the difference between a construction loan and a mortgage?

A construction loan is short-term for building a home, while a mortgage is long-term for buying or refinancing.

2. How do construction-to-permanent loans work?

They fund construction and convert to a mortgage once the home is complete, requiring only one closing.

3. What are the typical requirements for getting a construction loan?

Good credit (680+), 20-30% down payment, detailed plans, builder approval, and proof of stable income.

4. Can I use a home equity loan or HELOC to finance my custom home?

Yes, if you have significant equity in your current home, providing quick access to funds at lower interest rates.

5. What are the pros and cons of using personal savings to finance my custom home?

Pros: No interest or approval process, full budget control, no foreclosure risk.

Cons: Reduces savings, potential investment loss, limited by available funds.

6. What is a stand-alone construction loan?

A short-term loan for construction, requiring a separate mortgage after completion.

7. How does an FHA construction loan work?

Government-insured, covers construction and permanent financing, with low down payments and lenient credit requirements.

8. Are VA loans available for building a custom home?

Yes, for eligible veterans and service members, offering no down payment and no private mortgage insurance.

9. What should I consider when choosing a lender for a custom home loan?  

Experience with construction loans, rates, terms, fees, customer service, and familiarity with local regulations.

10. What happens if construction costs exceed the loan amount?

    You must cover extra costs out of pocket or renegotiate for a higher loan, which isn’t guaranteed.

11. Can I act as my own general contractor with a construction loan?

  Yes, but it’s harder to get approved; you must prove you can manage and complete the project.

12. How are funds disbursed with a construction loan?    

Funds are released in stages (called draws) after inspections confirm progress.

13. What are the benefits of a construction-to-permanent loan compared to a stand-alone construction loan?

   Single closing, lower costs, early interest rate lock-in. Stand-alone loans may have lower initial costs but require two loans.

14. What documentation is needed to apply for a construction loan?

 Detailed plans, construction timeline, budget, builder approval, credit reports, income proof, and down payment.

Key takeaways:

Recap: 

Building a custom home can be overwhelming. So I want to give a quick overview of what you will need. 

Pre-Build: 

  • Make sure you have a solid credit score of 680+.
  • Get all of your financial paperwork in to prevent slowdowns.
  • Find a reputable builder. Your builder will make or break your home and this experience.
  • Understand the basics: Know what you’re getting into and be fully prepared for the road to come. 
  • Plan everything from budgeting to timeline and loan type.  (your builder can help manage expectations). 
  • Try to get pre-approved: pre-approval can help tremendously with planning so you know what you are working with. 
  • Compare your options: Moving quickly and running off with a stranger is easy. But you should make sure you know who you’re working with when choosing lenders and builders. 

During the build: 

  • Keep consistent clear communication. 
  • Have meetings with your builder often. 
  • Track your progress, budget, and builders.
  • Perform site visits often. 
  • Try not to use any credit inquiries.
  • Make sure you are clear with your instructions and requests. 
  • Watch out for unexpected costs (Get a price lock guarantee when possible).

Call to Action: 

  As I said before there was a lot of information in there. If you have any questions or want guidance reach out here. One of our team members can guide you through the entire process from start to finish. 


P.S If you decide to build with us we offer price lock guarantees and other services to give you peace of mind when building. Contact us here.

How to Design a Modern Cottage Home

Posted on April 26, 2024 by - Designing your home

Modern cottage home
Modern cottage living space

Designing your dream home should feel like crafting your cozy haven, a retreat from the world’s chaos. Imagine stepping into your modern cottage– where every corner whispers tranquility and every detail oozes warmth. In this 5-minute read, you will learn how to design a modern cottage home.

What is a modern cottage home? 

The modern cottage home style has modernized its prior modern farmhouse design and taken it up a notch. With this design, you still get rustic and cozy vibes and experience the benefits of modern home designs.

How do I get started in the design?

The modern cottage design is simple. below are some of the main components you should look out for.

Start with a color scheme:

When you decide on a color scheme neutral colors should be the primary bases. The goal is light and airy:

  • Whites and creams
  • Black
  • Beige
  • grays
  • Calming Blues
  • Gentle greens

Follow up with finishes:  

Assuming you are building custom, semi-custom, or just remodeling your finishes can make or break the design. This is the meat and potatoes in my opinion

  • Rustic wood for a natural feel 
  • Cute nooks in the kitchen or den
  • Barn doors to keep it cozy
  • Exposed lighting for a slightly industrial look
  • large windows for lots of natural light
  • Hardwood flooring
  • Picture quartz countertops
  • White tile backsplash (for the kitchen) 
  • Stone fireplaces for cozy cuddling or reading
  • You could also decide on a wrap-around porch when you plan to build a modern cottage-style home.
  • Brass metal accents in furniture and appliances

Time to decorate:

When designing a modern cottage home the decor gives you a cozy rustic vibe, without straying from the modern look.

  • Super cozy furniture: slipcovers and wicker chairs are great to start
  • Vintage decor: Rugs and Cotton throw pillows
  • All Natural textiles: Cotton, linen, and straw to name a few
  • Reading nooks near the near in a warm corner for peaceful reading.
  • Greenery (inside and outside): gardens, succulent plants, vines, and other standard house plants will do
  • Vases and collected pottery are great additions
  • You can add some subtle floral patterns

What is the Modern cottage design style for?

When building or designing any home, the layout should reflect you! If you have a taste for modern cottage homes and an eye for rustic and warm environments this design is for you. Are you a warm, kind, hospitable bookworm who enjoys wine and friends? Want to maximize coziness as an empty nester? No matter who you are if you like warm natural lighting, cozy nooks, and all the greenery you can get your hands on, this design is for you. 

Want some assistance?

If you are anything like me you don’t like to do the heavy lifting alone. So I always seek a professional opinion. GJ Gardner offers full-service custom home-building services. If you need help visualizing or planing Contact us here. If you are just browsing check out our home designs and download a floor plan you like. 

How To Subdivide Your Property for Maximum Profit

Posted on April 18, 2024 by - Planning your build

subdivide property

In recent years, the price of property has changed, and finding quality land can be difficult. If you’re lucky enough to have a big backyard, your land could be ripe for subdivision. This post outlines how to subdivide your property, and what you need to know to potentially make a profit.

What is a subdivision?

Subdivision means dividing your property into two or more lots. To do this, you could:

  • Subdivide your land and sell the new lot for someone else to develop.
  • Build a house on the newly-created lot, which you could later sell or rent out.
  • Demolish your existing home and build three or four townhouses.

Why subdivide?

Over the past few decades, our overall population has increased, while the size of each family has decreased. This means:

  • A high value is placed on houses – and vacant land – in established areas. It’s even better if you have access to public transport and communal green spaces.
  • There’s a shortage of available properties, especially in urban areas.
  • A big lot of land could become potential equity to make a profit.

How does subdivision work?

Before you go any further, it is important to understand how subdivision works and assess if you are a good candidate for subdividing your land. There are some key questions to ask:

1. Find out if subdividing your property is possible

To be viable for subdivision, your lot of land should:

  • Comply with local zoning laws. Check with your local council to see if your property is in an area that allows subdivisions.
  • Ideally be relatively flat, to reduce the costs of construction and access.
  • Conform to your local council’s minimum lot size. This varies depending on where you live, but a good rule of thumb is to have at least 7535 square feet of usable land.
  • Have enough space to install another driveway.

2. Call in an expert

Once you’ve done your assessment, call in an expert to get a professional perspective on your plan ideas. You could speak to a surveyor, a certified town planner, or an experienced builder. They can advise you about zoning, overlays, and minimum lot size. Planning overlays identify features of the environment that might be impacted by a new development. In some cases, subdivisions may not be permitted due to protected vegetation, flooding, bushfire risk, or the location of protected buildings.

3. Apply for planning permission

With the help of your builder or surveyor, it’s time to put together a development proposal. You’ll need to outline how you suggest splitting the land and show plans for a proposed house, driveway, and car park.

A Final Word

Subdividing your land is a complex endeavor but can be well worth the effort. With over 120 franchisees and multiple global offices, G.J. Gardner Homes has proven project experience coupled with local expertise and can help you through the process. Contact your local office to see how we can assist you with your subdivision plans.

How to Build a Custom Home: Our 8-Step Guide

Posted on March 18, 2024 by - The building process

Person holds new house keys

There’s nothing like the feeling of coming home to a space completely customized to your liking. From choosing land to designing home plans and watching the build take shape, a custom home build is a rewarding process.

For those lucky enough to be considering a custom home build, it’s a MUST to fully understand the building process and the steps to make your dream a reality.  Here are some general steps you can expect on your custom home-building journey. 

Step One: Preparation

preparation is the most important step of the custom home-building process. Before contacting a home builder, it is important to break down your budget and building time frames to determine if building a home is right for you.

Things to consider include:

  • Land cost
  • Local taxes, permits, and fees
  • Home builder and construction costs
  • Landscaping costs
  • Home furnishing costs
  • Mortgage and loan payments
  • Initial down payment
  • Padding (money set aside for unexpected costs during the build)

This budget breakdown can assist in deciding the size, locations, and land you can afford for your new home. Also, you should note the build timeframe and if you have specific needs for your family. Which means finding and buying your land, end-of-home leases, schools, new family members, and more.

If you are still looking for the type of custom home build you want, our Custom Home Designs page is a recommended resource for guiding your home build process. 

Step Two: Choosing A Custom Home Builder

Before starting your custom home building journey and rushing into a decision, it is important to research home builders and find one that meets your needs. 

Research online by looking for the home builder’s experience, custom home expertise, and previously completed projects to get an idea of their capabilities and expected outcomes for your custom home build. This helps set your expectations for your future home with this builder. 

For example, at G.J. Gardner Homes, our expert custom home builders and new home consultants are readily available at our showrooms. This saves you the trouble of gathering a custom home-building team with a group of third-party contractors. Just attend an initial consultation to find out what you want. We can help create design plans, get permits, and find land. 

Step Three: Design Your Dream Home

Great, you now have a home builder and secured your land. It is time to start drawing up your dream home design and future floor plan. For your first consultation with your home builder, it is important to bring to the meeting a list of wants and needs with a level of importance in mind.

Consider the following:

  • Number of bedrooms and bathrooms
  • Garage size
  • Room arrangements and preferred floor plan layouts
  • Overall size of the home
  • How many stories are in the home
  • Budget
  • Architectural and interior design style
  • Negotiable inclusions (e.g. pool, covered patio, fireplaces, wine cellar, media room)

Alternatively, if you don’t want to start your home design from scratch, Your builder should have existing home design plans to choose from and further customize.

After the first meeting, your home builder will draw up custom home design plans into a floor plan with an estimated price for a custom home build. We call this a purchase agreement. Once you review the documents, you can provide feedback and make any changes you want.  

Find a Local Show Room

Step Four: Obtain Financing

You’ve completed the home floor plan and cost estimations, it is time to talk about how you will finance your home build. You can finance with a construction loan, cash, or a combination. 

This is only a suggestion, but if you plan to get financing through a third party, speak to your local lender or mortgage broker to find the best options available.

Step Five: Finishes & Fixtures

Arguably the best part of the design process, it’s now time to select your preferred finishes and fixtures. Meaning,  countertops, flooring, hardware, lighting, windows, trim, cabinetry, and more. Your builder should walk you through depending on how much you want to customize. 

Step Six: Construction Starts

The construction and building phase can begin once the final floor plan and purchase agreement are signed and settled. You can expect the following:

  • Site clearing and preparation
  • Foundations, framing, and roof
  • Utility installation
  • Insulation and drywall
  • Flooring, lighting, paint and millwork
  • Fixtures and appliances
  • Finish work such as final paint, wall coverings, trim
  • Landscaping

This is such an exciting time in your custom home build journey as you can see your plans come to life physically!

Step Seven: Final Walk-Through

After we complete the home, you will do a final walk-through. It is your opportunity to inspect and ask questions before the official closing of your home. 

Step Eight: Closing The Home

Following your final walk-through and closing, your home builder will hand over the keys to your new home.

At G.J. Gardner Homes, we specialize in custom home builds with extensive experience in creating tailored home solutions nationwide. If you are thinking about a custom home build, a semi-custom, or just looking to learn more our team is here to help you experience the joy of home building.

Want to learn more? Contact our home design experts today by visiting our website or calling our team.

9 Reasons To Build a Custom Home

Posted on March 4, 2024 by - Designing your home

Custom Home Design

Building a custom home can be rewarding, eye-opening, and transformational. At G.J. Gardner we believe building custom is the best way to get your dream home. From design choices to eco-friendly Builds, these are our 9 Best reasons for building a custom home. If you read to the end we’ve. tacked on bonus reasons that not all home builders will share with you.

1. Choose from lots of designs.

Most custom home builders offer a wide range of customizable home designs to suit different needs and preferences. Whether you’re looking for a small cozy home or a large luxurious mansion, there’s a design tailored to your liking.

2. Get expert guidance from a local builder.

There are a lot of little details in building a home. Working with an expert in your local market makes making decision-making simple. This way you make fewer decisions along the way. You get room to focus on getting exactly what you want. 

3. Quality of materials and fixtures. 

building a custom home allows you to choose from the best materials on the market, or the highest quality materials in your budget. Getting your dream home design becomes a lot less stressful when you know you’re getting the best outcome with any budget or constraints you may have.

4. Existing designs or craft an original. 

If you need inspiration you can start with an existing design and change details as you see fit. You can also bring your imagination to life and work with a designer to craft your custom dream home. Either way, your dreams become reality. 

5. Flexible floor plans.

Changing floor plans is a game changer for those who choose a preset design! You can add or remove rooms, adjust layouts based on your family’s needs, and plan for the future to fit your family’s needs.

6. Vast network of trusted suppliers and contractors.

Finding contractors, electricians, plumbers, etc. on your own is a huge pain.  Like a few builders G.J. Gardner gives you access to a large network of seasoned verified suppliers/contractors. This is how you problem-proof your new home construction. For you, this means fewer mistakes and a quality home that elevates your comfort.

Design your dream home today

7. Energy-efficient and Eco-friendly building.

G.J. Building your home custom gives you a lot of freedom. It also makes it super easy to go green. Builders can use eco-friendly build practices that reduce your carbon footprint and save you money on energy bills in the long run. 

8. Build with the latest technology.

Building a Custom Home offers the ability to build with the latest smart home technologies making life easier and efficient. Utilizing tech like lighting, temperature control, and security systems to enhance comfort and ease in your home.

9. Creative Freedom.

Working directly with a builder puts you in every step of the process. Allowing you to be in control of the design and finishes. Often this allows for a more unique design that fits your style and personality making your home glow with a personal touch.

10. (Bonus Reason) Complete warranty and after-sales service satisfaction with your new home: 

Here is a bonus reason for you! Not all builders do this but G.J. Gardner Homes offers a complete warranty and after-sales service to ensure you are satisfied with your new home. We want to give every home buyer peace of mind and that starts by making sure your home build is covered from the start. 

With the help of an experienced builder like G.J. Gardner Homes, you can confidently create the home of your dreams.

Need help getting started?

We could not pack all the information you need into one blog. So, if you have more questions we have a team of professionals who can guide you. We aim to give families joy in a home that meets their style and needs. 

Contact us today: Learn more about how we can help you build the custom home of your dreams.

5 Myths About Custom Homes

Posted on July 23, 2023 by - Designing your home

A partially constructed home against a blue sky backdrop

Building a custom home is a dream that some individuals and families feel is out of reach. The opportunity to design a living space that perfectly suits your lifestyle and preferences. Although attractive to most people, assumptions surrounding certain aspects make it hard to choose custom.

several misconceptions surround the process of building a custom home that often scare potential homeowners from choosing this option. In this blog, we will debunk the five myths about custom homes. We aim to give you valuable expert advice so you make informed decisions on your custom home construction project.

1: Building a Custom Home is More Expensive than Buying an Existing Home

A common misconception when it comes to custom home building is that it’s more expensive than buying an existing home. While it is true that building a custom home involves upfront costs, it is important to consider the long-term benefits.

Custom homes are built with energy-efficient materials and modern construction techniques. Which can result in lower utility bills and maintenance costs in the long run. Additionally, customizing the design and choosing the materials allows you to control the budget. This means you choose what is most important in your home design.

2: Building a Custom Home is a Lengthy and Complicated Process

Another custom home-buying myth is that the process is excessively lengthy and complicated. B When you build a custom home planning will be very important. This is why we suggest most people work with a great builder and architect to make the process easier.

As soon as you decide to build you should have a professional walking you through the process. They will assist you with keeping the build process efficient and on time.

With proper planning and communication, the construction of a custom home can be a smooth and enjoyable experience.

3: Custom Homes Lack Resale Value

Some individuals believe that custom homes have limited resale value due to their unique designs and features.

However, this is a misconception. Custom homes are highly desirable in the real estate market, as they are often built with high-quality materials and tailored to meet the needs of the homeowner.

A well-designed custom home can attract potential buyers who appreciate the attention to detail and unique elements. Additionally, custom homes tend to age well, as they are built with modern construction standards and are often equipped with the latest technologies and energy-efficient features.

4: Custom Homes are Only for the Wealthy

It is easy to assume that building a custom home is only a luxury for the wealthy. There are certainly high-end custom homes, and the cost of building a custom home can be tailored to fit various budgets.

By working closely with your architect and builders, you can prioritize your needs and allocate your budget accordingly. Moreover, there are financing options available specifically for custom home construction, allowing more individuals and families to turn their dream homes into a reality.

5: Custom Homes Take Away Flexibility in the Future

A prevalent misconception is that building a custom home limits flexibility in the future. Some worry that they will be stuck with a design that may not suit their changing needs or preferences over time. However, custom homes offer ample flexibility when it comes to future modifications and renovations.

With careful planning and a forward-thinking approach, you can design your custom home to accommodate potential changes or expansions in the future. By incorporating adaptable spaces or leaving room for future additions, you can ensure that your home remains flexible and can evolve as your needs evolve.

Get in Touch

Building a custom home is an exciting and rewarding process, but it is also a route that many homeowners don’t consider due to the myths and misconceptions surrounding it. Contrary to popular belief, custom homes can be a cost-effective option, offer a streamlined construction process, have excellent resale value, accommodate various budgets, and provide flexibility for the future.  

If you’re considering building a custom home and want expert advice throughout the process, contact your local G.J. Gardner Homes store. With their experience in custom home building, they can address any concerns you have surrounding costs and processes.  Stop letting myths and misconceptions hold you back from creating your dream custom home, work with the G.J. Gardner Homes professionals for a successful and fulfilling custom home-building experience today.  

Your Guide to Building a Home in a Gated Community

Posted on July 23, 2023 by - The building process

Living in a gated community offers a unique experience of security, exclusivity, and an enhanced lifestyle. With controlled access and a range of amenities, gated communities have become increasingly popular for those seeking a harmonious and luxurious living environment.

This guide will explore the benefits of living in, and guide you when in building a gated community.

What is a Gated Community?

A gated community is an exclusive residential area that is enclosed and separated by typically a wall or fence and normally has restricted access through gates.

These communities often offer a variety of amenities such as parks, swimming pools, golf courses, and fitness centers, that create a sense of community and higher living. Gated communities are designed to provide residents with a sense of security, privacy, and exclusivity.

The Benefits of Living in a Gated Community

Security: A feeling of safety and security is one of the primary reasons people, especially families, choose to live or build in a gated community. Restricted access and controlled entry points help deter crime and provide residents with peace of mind. 

Exclusivity and Privacy: Gated communities often have a limited number of homes, creating a sense of exclusivity. With restricted access, residents can enjoy a greater degree of privacy and seclusion.  

Amenities and Community Spirit: Gated communities are known for their well-maintained amenities and communal spaces. Residents can enjoy facilities like parks and sports areas, fostering a strong sense of community and creating opportunities for social interactions. 

Enhanced Property Values: Homes within gated communities tend to hold their value well due to their desirable location, amenities and exclusivity. Investing in a home within a gated community is often a sound financial decision.  

An imposing example of a gated community entryway.

Considerations When Building in a Gated Community

Homeowner’s Association (HOA): Gated communities typically have a homeowner’s association that establishes rules and regulations to maintain the community’s standards. Ensure you understand the HOA’s requirements and any associated fees before proceeding with the construction of your home. 

Architectural Guidelines: Gated communities often have specific architectural guidelines to ensure a consistent and aesthetically pleasing environment. Familiarize yourself with these guidelines to ensure your home design meets the community’s requirements. 

Construction Timelines: Building a home within a gated community may involve adhering to certain construction timelines set by the HOA or community management. Understand any restrictions or limitations that may apply and plan your construction process accordingly.  

How to Get into a Gated Community

To build or buy within a gated community, start by researching and identifying communities that meet your criteria, considering factors like location, amenities, and ambiance. Narrow down your options to a few communities that align with your preferences.

Contact a real estate agent specializing in gated communities who can provide valuable insights, guide you through the buying process, and help you find suitable properties. If you’re looking to build in a gated community, seek professional advice. Builders show you how to stay within community guidelines.

Understand that each gated community may have specific requirements for prospective buyers and builders, such as background checks, interviews or financial criteria. Familiarize yourself with the buying and building process and fulfill all necessary obligations to secure your place in the community.

Practical Tips for Building a Home in a Gated Community

Engage Experienced Professionals: Building a home is a complex process, so working with experienced professionals like the custom home builders at G.J. Gardner Homes is crucial. Hire a reputable architect, contractor and interior designer who have prior experience with gated community projects. 

Collaborate with the HOA: Communicate and establish a working relationship with the HOA and involve them in each step of the construction process. Seek input and approval of your home design and ensure compliance with all architectural guidelines to avoid further issues. 

Plan for Security Features: Gated communities already offer a certain level of security but it’s wise to incorporate additional security measures into your home design. Consider smart locks, surveillance systems and alarm systems to enhance your safety. 

Landscape Design and Maintenance: Gated communities often have strict rules regarding landscaping and maintenance. Plan your landscaping design in consultation with the HOA to ensure compliance with their guidelines and to maintain the overall aesthetics of the community. 

Get in Touch

Building a home within a gated community offers a number of benefits, including enhanced security, exclusivity and access to a range of amenities. It is important to consider the homeowner’s association rules, architectural guidelines and construction timelines before embarking on the building process.

The Ultimate Guide To Creating a Luxury Bathroom

Posted on July 23, 2023 by - Designing your home

How to Create a Modern Bathroom Design

Your bathroom is more than just a functional space— it’s a place to unwind, rejuvenate, and indulge in pure comfort. Today we invite you to explore creating a bathroom retreat that exudes luxury, sophistication, and tranquillity.

we’ll guide you through transforming your bathroom into a haven of indulgence. Seeking a spa-like ambiance, a glamorous retreat, or a minimalist oasis? Our expert tips and advice will help you curate a bathroom experience that transcends the ordinary and elevates your everyday rituals.

Why design a luxury bathroom

When designing your dream home, you should include a luxury bathroom as it elevates your overall living experience. A luxury bathroom provides a private place where you can escape the daily hustle and indulge in moments of comfort and self-care.

It becomes a haven of calmness, offering a spa-like retreat within the comfort of your own home. From elegant fixtures and materials to details like soothing lighting and advanced technology, a luxurious bathroom creates a peaceful atmosphere.

It not only enhances your well-being but also adds value to your property. Design your home with a luxurious bathroom and transform your daily routine into a luxurious escape.

Benefits of Luxurious Bathroom Designs

Luxurious bathroom ideas offer a range of benefits beyond aesthetics, providing many advantages for your well-being and home value. Let’s explore the key benefits of incorporating luxurious bathroom ideas:

  • Relaxation and Stress Relief: A luxurious bathroom creates a serene ambiance, offering a space to unwind, relax, and refresh. It becomes a personal retreat where you can indulge in soothing baths and showers or tranquil moments of solitude. 
  • Enhanced Comfort: Luxurious features like heated floors, spacious showers, deep soaking tubs, and soft ambient lighting elevate your comfort.
  • Increased Property Value: A well-designed and lavish bathroom is a desired feature for potential buyers, making your property more attractive and competitive in the real estate market. 
  • Personalization and Style: Luxurious bathroom ideas allow you to express your unique style and taste.
  • Daily Retreat: Having a luxurious bathroom at your disposal transforms your daily routine into a pampering experience. It becomes a haven where you can start and end your day positively, fostering a sense of well-being and self-care. 

By including these bathroom ideas in your home, you create a stunning and functional space that enhances your lifestyle and elevates your overall living experience.

Luxurious Bathroom Design Ideas

When you design your luxury bathroom, several features and elements can elevate the space and create an indulgent retreat. Consider incorporating the following features:

  • High-quality Materials: Opt for premium materials like marble, granite, or natural stone for countertops, floors, and walls.
  • Spa-like Fixtures: Install features like a rainfall showerhead, a freestanding soaking tub, or a steam shower.
  • Intelligent Lighting: Incorporate ambient lighting options, such as dimmers, LED strips, or backlit mirrors. 
  • Ample Storage: Include well-designed storage solutions like built-in cabinets, floating shelves, or vanity organizers.
  • Smart Technology: Integrate smart features like voice-controlled lighting, temperature control, or Bluetooth speakers for a high-tech and convenient bathroom experience. 
  • Luxurious Textures: Introduce plush towels, soft bath rugs, and luxurious bathrobes to enhance comfort and add a touch of luxury to the space. 
  • Thoughtful Details: Pay attention to the finer details such as decorative hardware, stylish faucets, designer fixtures, and unique accents.

By incorporating these features into your luxurious bathroom design, you can create a space that exudes sophistication, indulgence, and relaxation, transforming your daily routine into a luxurious retreat.

Get in Touch

Designing a luxurious bathroom is an opportunity to create a personal haven of relaxation and indulgence. By incorporating high-quality materials, thoughtful lighting, and stylish fixtures, you can elevate your bathroom to a new level of luxury. If you’re ready to transform your bathroom into a luxury retreat, contact G.J. Gardner Homes today to explore their expertise in creating custom homes with sophistication in every detail. Your dream bathroom awaits, and their team is ready to bring it to life. 

How to be a good host: Creating a Welcoming Home for Guests

Posted on July 23, 2023 by - Designing your home

Family enjoys a meal together

When hosting your family and friends, there is something special about making others feel comfortable. The warmth of your home can set the tone for their entire experience from as soon as they step through the door.

Here are a few tips and tactics to create an inviting home that leaves a lasting impression. From cozy guest bedrooms to thoughtful touches in common areas.

we’ll guide you in creating hospitality and share insights on how to make your guests feel at home. This is how to be a good host.

Why create an inviting home?

Designing an inviting home goes beyond mere aesthetics – it’s about creating a space that nurtures relationships, fosters connection, and leaves a lasting impression on guests. An inviting home makes sure family, friends, and even strangers feel welcomed, comfortable, and at ease. It sets the stage for memorable gatherings, meaningful conversations, and shared experiences.

By prioritizing an inviting design, you create an environment that encourages relaxation, fosters positive energy, and promotes a sense of belonging. An inviting home positively impacts your well-being, providing a haven where you can recharge, unwind, and find solace.

It reflects your hospitality and generosity, leaving a lasting impression on all who enter. Designing an inviting home is an investment in creating a warm, inviting, and joyful space where relationships can flourish, and memories can be made.

The Power of First Impressions: Creating an Inviting Entryway

The entryway is the gateway to your home, and it sets the tone for your guests’ entire visit. Make a memorable first impression by focusing on creating an inviting entryway. Well-maintained landscaping, a fresh coat of paint on the front door, and warm lighting can elevate your home from the offset. Inside, declutter the space and consider adding a stylish console table or a welcoming bench where guests can take off their shoes.

Don’t forget to incorporate elements of your personality to make sure it feels like you, such as family photos or artwork, to add a touch of warmth and personality.

Crafting Comfort: Designing Cozy and Welcoming Guest Bedrooms

Ensure your guests feel at home by providing them with a comfortable and inviting bedroom retreat. Opt for a neutral color palette, soft bedding, and plush pillows to create a cozy ambiance. Consider adding a bedside lamp, extra blankets, and a seating area to enhance comfort.

Don’t overlook the importance of ample storage space and thoughtful touches like fresh flowers or a basket of essentials. By prioritizing their comfort and needs, you’ll create a haven where guests can relax and recharge.

Warmth in the Details: Thoughtful Touches for Common Areas

Infuse warmth and hospitality into the shared spaces of your home by focusing on the thoughtful details. Arrange comfortable seating areas that encourage conversation and connection, incorporating soft cushions and throws for added comfort. Display books, magazines, or board games to provide entertainment options for your guests. Scented candles or diffusers can fill the air with inviting fragrances, creating a cozy and welcoming atmosphere.

Don’t underestimate the power of lighting as well. Warm and inviting lighting, enhanced by your personal touches such as family photos or artwork make the space feel cozy.

Culinary Delights: Nurturing Guests with a Welcoming Kitchen and Dining Space

The heart of any home is the kitchen. Keep your kitchen and dining space welcoming by keeping them clean, organized, and well-stocked. Create an inviting atmosphere with soft lighting, comfortable seating, and a well-dressed dining table.

Always have a variety of refreshments and snacks that cater to different tastes and dietary preferences on hand. You create a warm and inviting environment that fosters connection and cherished memories by nurturing your guests through culinary delights.

Get in Touch

An inviting and welcoming home is an art that brings joy, warmth, and lasting memories. Ready to transform your home into a cherished space? The experienced team at G.J. Gardner Homes is here to help. Contact our local office today and let us guide you in designing a home that embraces the spirit of welcoming