New Construction Homes – FAQs
Who manages my project?
Home Nation delivers your home or home components and helps you manage subcontractors with free consulting. We can also assist with funding and even manage payments to contractors for a small fee.
What if I don't want to manage the project myself?
Home Nation can connect you with a Construction Coordinator or a regional Builder-partner who can manage your build. This option is available when selecting your home package.
How can I know I’m getting the best price?
We maintain pricing agreements with subcontractors to ensure competitive rates. You pay the contractor directly, and we ensure they honor our pricing commitments.
What does the online home price include?
It includes everything within the four walls of the home. Costs outside (sitework) like permits, excavation, and utilities vary by site and must be calculated separately.
Why don’t prices include all construction costs nationwide?
Prices vary by region. We show typical regional pricing based on ZIP code. For precise estimates, a Feasibility Study is recommended.
Do I have to own land in my name?
Yes. You must own land or have a signed offer on a lot you plan to purchase.
What if I owe money on my land?
We can help you pay off the balance with a loan before construction begins. The land must be paid off before building.
How much cash do I need to start building?
If your land is worth at least $20,000 and you owe nothing, you may not need a cash down payment. Otherwise, you'll need enough cash to reach $20,000 in total equity.
Can I use land equity as a down payment?
Yes, land equity counts toward your down payment requirement.
Are construction loans expensive?
Traditional construction loans can be expensive. Home Nation simplifies this by using investor-backed funding, saving you time and money.
Can I use my own lender?
Yes. Once the home is built, you can use any lender to pay off the construction cost with a mortgage.
Do you work with VA, USDA, or FHA loans?
Yes. After construction, you may use any of these loan types for final financing.
Will you help me get a loan?
Absolutely. Our loan consultants help you apply for and obtain an end loan that pays off the construction costs.
What collateral is required for construction financing?
Lenders require a mortgage, deed in lieu, and potentially placing land in their name temporarily. Requirements vary based on your credit and collateral.
Where can I apply for a loan?
Start with our EZ pre-approval form. It won't affect your credit and allows us to guide you through the next steps.
Can I start building before loan approval?
Yes. You can begin with a Feasibility Study and apply for permits if you're confident in approval. This accelerates the timeline.
How can I estimate my future mortgage payment?
Use our online calculator. Final payments depend on credit, history, and loan terms.
Is help available for low-income buyers?
Possibly. Our HNAH ("Hannah") fund aims to assist those with limited income or savings. Contact us to learn more.
How long does construction take?
Typical timeline is 4–9 months depending on permit speed and subcontractor availability. Permit wait times vary by region.
Can I add decks, pools, or sheds?
No. To maintain affordability and get you into your home quickly, we only include what’s required to get a Certificate of Occupancy.
Are garages and porches included?
Only if they're built under the home’s main roof (e.g., Sebring, Bishop, Wright). Otherwise, they are not included in the base price.
Is landscaping included?
No. Unless required for a Certificate of Occupancy, landscaping is not included in the project pricing.
How is Home Nation more affordable than others?
We cut out builder markups by connecting you directly with subcontractors. Our innovative building system, the ModPod, helps keep costs low and timelines short. Learn more at ModPod.com.
How soon can I build?
You can begin the process today and in some areas, break ground within a week!
