Florida Living: The First Steps Toward Your Ideal Home

Building your dream home is an exciting journey, especially in Florida, where the sunshine, coastal lifestyle, and unique environment offer endless possibilities. Whether you’re designing a beachside retreat or a family-friendly haven, careful planning is key to turning your vision into reality. Here are five essential tips to help you build the perfect home in the sunshine state.

1. Create a Prioritized Wish List

Start by brainstorming everything you want in your new home. Think about the essentials, like the number of bedrooms and bathrooms, as well as the features that will make your home uniquely yours, such as an outdoor kitchen or energy-efficient cooling systems.

Once you’ve listed everything, prioritize your items in a list like the example below:

• Non-Negotiables: Proximity to top-rated schools, hurricane-resistant construction, or home office.
• Highly Desirable: A spacious kitchen, open floor plan, or outdoor living space.
• Nice-to-Have: A large yard, extra guest room, or luxury finishes.

By focusing on what matters most, you’ll create a home that fits your lifestyle and Florida’s unique environment.

2. Set a Realistic Budget

Budgeting is especially important when building a home in Florida, where construction costs can vary depending on location, materials, and design. Keep these tips in mind:

• Plan for Extras: Leave room in your budget for unexpected expenses, such as weather-related delays or upgrades.
• Think Long-Term: Consider investing in features like hurricane impact windows and doors, or solar panels, which can save you money in the long run.
• Balance Wants and Needs: While this is your chance to create your dream home, it’s important to stay within your financial comfort zone.

Quick Tip: We encourage working with a lender who understands the unique needs of Florida homeowners to ensure your budget aligns with your vision.

3. Choose the Right Builder

Your builder will be your partner throughout the construction process, so it’s essential to choose someone you trust. Here’s how to find the right fit:

• Ask for recommendations from friends, family, and your real estate agent.
• Research credentials to ensure your builder is licensed in Florida and familiar with local building codes, especially those related to hurricane-prone areas.
• Visit model homes to get a sense of the builder’s style and quality.

If you can’t find a development that meets your needs, consider purchasing a lot and hiring a custom builder to bring your vision to life. The right builder will not only deliver a home that meets your expectations but will also make the process smoother and more enjoyable.

4. Review Your House Plan Thoroughly

Before construction begins, take the time to review your house plan in detail. This is your opportunity to ensure every detail aligns with your vision. Double-check room sizes, layouts, and features to make sure they meet your needs.

Consider Florida-specific necessities, such as hurricane-resistant materials, proper ventilation, and storm shutters. Making changes to your plan after construction begins can lead to delays and added costs, so it’s best to address any concerns early. Clear communication with your builder is key to avoiding misunderstandings and ensuring your dream home becomes a reality.

5. Secure the Right Construction Loan

Financing your dream home is a crucial step in the process. First, you’ll need to apply and get approved for a new home construction loan. Construction loans are different from traditional home mortgage loans because your builder will require payments throughout the home-building process as tasks are completed.

During the construction phase, the builder will draw payments directly from the lender. Once construction is complete, your loan will automatically convert into a traditional mortgage or the best financing option for you.

SCCU’s Construction-to-Permanent Loan

• One Application, One Closing: Save time and money with a single application and closing process.
• We make the payments to your builder at key points throughout the process.
• Interest-Only Payments During Construction: Pay only on the amount withdrawn as your home is built.
• Your rate is locked for 12 months while your home is being built.

Take the Next Step

Building your dream home in Florida is an exciting adventure, and SCCU is here to help make it as smooth as possible. 

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