Financing Your New Construction Home: What You Need to Know

For many buyers, financing feels like the most intimidating part of building a new home. A.R. Builders helps simplify the process.

Common Financing Options

• Construction-to-Permanent Loans: Finance the build, then roll into a standard mortgage.

• Traditional Mortgages: Available if purchasing a spec or move-in ready home.

• FHA, VA, and Conventional Loans: Each with different requirements and benefits.

What to Expect Financially

• Down Payment: Often ranges from 5–20%.

• Closing Costs: Title fees, appraisals, and taxes add 2–5% of purchase price.

• Upgrades: Budget for personal touches like flooring, cabinets, and fixtures.

Current Incentives

Right now, A.R. Builders is offering 4.99% rates on select homes — a fantastic opportunity to lock in a historically low rate.

Tip: Talk to your lender early, get pre-approved, and understand your options. We work closely with trusted lenders to guide you every step of the way.