We're with you from start to finish

Our process is designed to bring your vision to life, while keeping the journey both exciting and stress-free.
Buying & Building Your HomeFinancingWhere We BuildFAQ
Process

Buying and Building Your Home

Define your vision and budget before committing to build.

Get inspired! You will have the opportunity to tour one of our model homes to see our craftsmanship, and get inspired.

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Learn The Brandon Advantage. One of our veteran home building consultants will educate you on Brandon Homes and our vast offering.

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It’s all about you! The most important part of the meeting is understanding your vision for your future home. We will ask questions and begin to assess your desired functionality, aesthetic, desired budget, and timeline to understand how we can best serve you.

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Sharpen the pencil! Once we know your needs we will suggest one of our award winning home plans and accompanying options that address your needs. If we don’t find something you love, we’ll design it from scratch!

No-Obligation Home Proposal & Pricing

Once you’ve selected your floor plan and enhancements, we will get to work creating a proposal detailing the pricing of your dream home. Our clients are constantly surprised by how much they can get for their money.

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If you’ve identified your homesite, we can include lot finishing allowances as well. We’ll meet as many times as you need (in-person or virtually) to put final touches on your proposal in any way you desire.

Financing

At Brandon Homes, we’ve done the legwork by selecting and vetting trusted finance partners. Choose from our list of in-network partners, each offering unique financing solutions to meet your family’s needs. Your home building consultant will guide you in choosing the best loan program, ensuring you get pre-approved in minutes with our hassle-free financing process.

Contracting

At Brandon Homes, we pride ourselves on creating a pressure-free environment. Our goal is to ensure you have all the information needed to make the best decision for your family. To support this, we offer an optional contract review meeting where clients can ask questions before placing their home on order.

Selections

Our in-house selection specialist will help you bring your style to life. You will have access to 1000s of selection options available to make your space as unique as you are. However, don’t feel overwhelmed, our selection specialist will be there to walk you through every decision step-by-step. Once selections are finalized, they will be memorialized in a selections document that will be given to you and the field team.

Closing Time

Once all the details are ironed out with the specifications of your build and financing has been arranged, we will close on your home loan (one-time close) and take your home from vision to reality.

Pre-Construction Meeting

It’s almost time to break ground! During this meeting you will meet your project manager who will walk you through, in-depth every detail pertaining to your build. He or she will explain the exciting construction journey ahead and answer any questions you may have.

Home Construction

Construction is broken up into several major phases; foundation, frame, mechanicals, and finish. Each of these phases you will see your home and vision brought to life. You account manager will give you weekly updates as to the progress of your home and be there to guide you along the way.

Enjoyment & Peace of Mind

Enjoy the fruits of your labor in your brand new dream home, and rest assured we have you covered. Rest easy knowing your home is backed by an industry leading warranty.

Schedule a 15 Minute Exploration Call

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Financing

Construction to perm loan explained

At Brandon Homes, we believe in keeping things simple. Financing through one of our trusted preferred lenders provides our clients with a seamless one-time close process. Closing at the beginning of the construction process allows clients to lock in their rate and move in with no hassle or re-evaluation once the home is complete.

During the construction process, loan draws will be dispersed in accordance with the draw schedule based on construction progress. Rest easy knowing, during the construction period, you are only responsible for paying interest on the outstanding balance. Upon the conversion of our loan, you will begin regular mortgage payments (principal, interest, and escrow).
Application
Building Progress Draws
Loan Conversion
Our network of preferred lenders offer dozens of programs to meet the unique needs of your family. From Conventional to FHA programs, our partners have you covered.

Your new home sales consultant will help explain the offering of each partner. From there, he/she will connect you with the preferred lender of your choice to get you pre-approved, and eventually financed once your home is designed.

The financing process, once the details of your home have been finalized, typically takes between 30 – 45 days. During this time, your preferred lender will collect the required documentation, coordinate the appraisal of the subject property, and prepare the necessary closing documentation. Rest easy knowing the Loan Officer at your choice lender is trained to guide you through the process from documentation collection to closing documents / disclosures.
Once closed, the exciting part starts – construction on your home begins! As progress milestones are achieved, construction draws we be dispersed according to the contracted draw scheduled. These milestones are as follows: Closing, Foundation Poured, Framed Structure, Drywall and Home Completion.

Prior to funds being dispersed at each progress milestone, an inspector (commission by your lender) will inspect to ensure the work has been completed.
In many cases your construction loan will automatically convert into a permanent loan. This is the final stage in the financing process.

At this point you will begin to make your standard monthly mortgage payments.
Frequently Asked Questions

You have questions, we have answers.

How do I know if you can build on my land?

We pride ourselves in supporting our clients from beginning to end, which is why we offer a free site evaluation (also referred to as Due Diligence). If you own land, or are contemplating an offer on a piece of land, we will assist in assessing some of the major components to consider. Although ultimately the client is responsible for the buildability of their lot – one of our experts will help advise you through this process.

How can I get a quote on a home?

Come on in! A new home sales consultant will spend time understanding and specing out a home that is uniquely yours. From there a quote will be assembled and presented to you during a separate meeting. During this review meeting, we will make any necessary adjustments live.

What comes with my home?

At Brandon Homes, your money goes further. We know what it takes to make a home both beautiful and functional. Our standard features list is exclusive—other builders charge thousands for features that are standard at Brandon Homes. We have different sets of standard features based on the product line you're interested in. Explore our standard features for each product line by making a selection below.

Classic
Heritage
Luxe
Can I finance my land purchase in my construction loan?

Yes, you can finance your land and your new home into one construction loan. You can also combine these if you already own your land but still have a remaining balance. The balance owed on your land will be added into your loan. This saves you from having two separate closings and also saves money on closing costs.

Can I count my land towards my down payment?

Many of preferred lenders will consider the equity in the land you own as a part of your down payment.

Can I build a new home when I have an existing home to sell?

Yes, many of our lending partners offer bridge loans. These programs give homebuyers access to the equity in their current home.

Am I responsible for preparing my site for construction?

Brandon Homes offers a concierge custom building experience, and can assist in lot finishing (e.g., utilities, grading, retention structures, etc.). If our lot finishing services are selected, allowances will be outlined in your initial budget. If the client desires to prepare their own land, that is an option as well.

Where do you build?

We currently only serve the state of Ohio, particularly the greater Dayton and Cincinnati areas. Our service area ranges anywhere within one hour from our corporate location: 1046 Summit Sq, Middletown OH. Price minimums may apply.

What if I don’t have land?

We are here to help! It’s quite common for homebuyers to start their custom home journey without their home site identified. We will help you get started on your search. We will connect you with our list of Realtors and land specialist to identify the site that fits your needs.

Let's Get Started

Reach out to us to see how Brandon Homes can help you get into the home of your dreams.

Quick Links

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sales@brandonhomesus.com
(513) 997-1023
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