On Your Lot

Start with a mortgage pre-approval; it helps define your budget early and keeps everything moving smoothly. If you don’t already have a lender, we can connect you with one who’s experienced in new construction loans.

You have two main options when it comes to financing your home:

With self-financing, you secure your own construction loan or pay with cash. This gives you more control, and we’ll follow a clear deposit and draw schedule based on construction milestones. Lenders offer construction loans under conventional, FHA, or VA programs, and in some cases, you may qualify with low or no down payment. Bridge loans are also an option to help fund your build. We’ll provide your lender with all necessary documentation, including a detailed budget, specs, and draw schedule.

If you prefer a more hands-off approach, our builder-financed option allows us to carry the construction financing. You’ll make a larger initial deposit and provide a mortgage pre-approval showing that you’re approved to close once the home is complete. From there, we handle all the construction costs and draw process internally. You’ll have just one closing when your new home is finished.

Note: In most cases, builder financing is available for offsite builds, but we’ll review the details based on your location and project specifics. Our goal is always to make the process as straightforward and flexible as possible.

Whether you already own land or are still searching, we’re here to help you make smart decisions from the start. Our team can walk your property—or check out a potential lot before you buy—to help avoid costly surprises.

We look at the topography and drainage to understand how the land may impact the foundation and overall layout of the home. Soil and rock conditions affect excavation and foundation costs, while existing vegetation can influence site prep but also add long-term value to the setting. Utility access is another key factor, whether it’s public connections or planning for well and septic systems.

If you’re still on the hunt for land, let us know—we’ll help you find the right lot and make sure it’s ready for your future home.

We’re not your typical “ABC Builder” with a rigid list of models and no room for change. At Concept Builders, you can start with any of our thoughtfully designed floor plans—or bring your own. Browse online to get inspired, then let’s talk through your lifestyle needs, your lot, and your wish list.

We’ll work with you to make structural or design modifications as needed, whether you’re fine-tuning a layout or creating something more custom. And if you already have plans in hand, that’s great—we’re happy to build from those, too. Our process is flexible by design, always aimed at making sure your home fits your land, your life, and your budget.

Once your land, plan, and financing are in place, we’ll break ground—and from there, your new home is typically just 6 to 8 months away.

At Concept Builders, we take pride in making the build process smooth and transparent from start to finish. Our team stays in close communication with you every step of the way, beginning with a detailed pre-construction meeting where we walk through expectations, timelines, and next steps.

Throughout construction, you’ll have access to BuilderTrend, our online job management system. It’s where you can track progress, view photos, review selections, and message us directly—keeping you connected and informed without chasing updates.

From the first shovel of dirt to the final walkthrough, we’re committed to delivering not just a home, but a process that feels organized, responsive, and personalized.