White Farmhouse | Mebane NC New Homes

Build On Your Lot: Frequently Asked Questions

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How to Build a House on Your Lot in North Carolina

Own land? Still searching? These questions help answer what to look for when you choose your lot, purchase your land with a licensed real estate agent, decide where to place your home, and select a custom home builder to construct your North Carolina new home.

Knowing what to ask can help ensure you know what it takes to build your new home. Here are some of the most important questions about land, lots, parcels, and homesites that enable you to be informed and prepared.

Contact Travars Built Homes to learn more about how to build a new custom home on your land.

What’s the best size lot for a new custom home build?

The best size lot for a new custom home build is determined by your floor plan, community covenants if applicable, local build requirements, what kind of septic/sewer system is required, whether you need a well, and other mandates. We will go over all of that with you, when we know what and where you’d like to build.

Here are more questions to ask about lot sizes:

  1. How can I find out how big my lot has to be, for a specific floor plan?
  2. Why do I need a bigger lot to have a side load garage?
  3. I own several acres – can I put my home wherever I want on my land?

Will the builder look at the lot I am considering purchasing prior to me buying it, and give me his perspective about what it will cost to build there?

When you build with Travars Built Homes, an on site assessment is part of our standard process. We will talk about the fit of your floor plan to your lot, your driveway, and other site specific build imperatives.

Here are some common questions we can answer, after we take a look at your lot together:

  1. How much does it cost to clear trees and shrubs off my lot?
  2. What is the difference between a soil scientist and the county doing a soil evaluation?
  3. What is an improvement permit and why do you need to get that for me that before the build permit?
  4. If a septic permit only allows 3 bedrooms, is it possible to have 4 bedrooms?
  5. How many bathrooms can I have in my home?

What kind of slope does my lot need to have for a walk-out basement?

Most basement homes in NC are walk-out, set into a slope of about 6 feet over the course of the home. We can add a basement to nearly any floor plan, but the the look of the home can change depending on the direction of the slope. Before selecting a home with a basement in the floor plan, talk with your builder about placement of your home.

Here are more common questions we’ll help answer related to site conditions:

  1. What is the difference between a sewer and a septic system, and how does that impact costs?
  2. What is the difference in maintenance and build cost for a conventional septic system versus an engineered system?
  3. What is the build cost for a well? How deep it will be?
  4. What is a community septic system, and how does that work? What is a grinder pump and how much does that cost?

Will the lender combine the lot purchase and home build cost into one loan, or do I need to buy my land and home separately?

Your lot purchase and the construction of your home are typically bundled into one transaction with a construction to perm loan, so you do not need to buy the lot before you build. Read more about NC new home financing and construction loans here.

Where can I learn more about how to buy land in North Carolina?

Work directly with a real estate agent with expertise and experience in lot and land purchasing. Kelly McNabb, NC REALTOR® at Costello Real Estate and Investments, can help get you started.

Kelly McNabb
REALTOR®/Broker (919) 391-0315 Costello Real Estate & Investments
kellym@costellorei.com kellymcnabb.costellorei.com

Here are the kinds of questions Kelly can help answer for you, in tandem with Travars Built Homes:

  1. Has the perc test been done on this lot? Is it possible to build a home on land that does not perc? How does that work?
  2. What does it mean when a listing says “water nearby”? How can I find out what it will cost to hook up to that city/county water source?
  3. What can I do if the lot I want to purchase is land locked?
  4. What do I need to know about flood plains?
  5. If I want to have a future pool, what does the builder and the county need to know about that?
  6. What is an impervious surface and how does that impact my build?
  7. What do I need to know about setbacks and easements?
  8. What is the difference between a lot survey and a plot plan and who handles that?
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Wendell North Carolina New Homes | Built In Storage Benches

Chatham County new home checklist – Built in storage ideas for every room

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Built in bookcases, open shelving, cubbies, kitchen pantries

Get ideas for custom home built in bookcases, open shelving, cubbies, kitchen pantries, and storage spaces for every room from Chatham County new home builder Travars Built Homes:

Chatham County New Home Storage Idea #1: Built in Bookcases Alongside a Fireplace

Built in bookshelves next to the fireplace are a popular choice in new homes by custom builders in Chatham County and across central NC. [Get floor plan ideas here.]

Bookcases can be set into the wall with open shelving, cabinets, specialty trim, and other features. Nearly all fireplace surround bookcases are built with a standard height between shelves (similar to when you buy a furniture bookcase). Just give us a picture – we can build it! Travars Built Homes can space shelves at custom heights that you ask for at one of your meetings with the builder on site. It’s part of our standard design/build process!

Chatham County New Home Storage Idea #2: Open Shelves Above a Kitchen Serving Bar

Looking for something more unique in your built-ins? Ask your new home builder how much flexibility you can have for touches like this throughout your home – and what materials they offer for open shelving, such as the Cedar above this kitchen bar and master bedroom beam ceiling.

Chatham County New Home Storage Idea #3: Built In Drop Zone by the Garage

Drop zones with shelves, cubbies, cabinets, and drawers are a very popular addition to new Chatham County homes. We can build them anywhere in your home, with the most common choices between the garage and laundry room or kitchen. This drop zone has a built in bench, shoe cubbies, and bead board trim. Send us a link to a look you like – we can build that, too.

Chatham County New Home Storage Idea #4: Large Pantry with Custom Shelving

A U-shaped pantry is great for “at a glance” storage. A U-shaped pantry requires more depth (and less width) than an L-shaped pantry – so ask your builder what can fit into your floor plan. Adding more pantry shelving at different widths and heights is a popular request.

In this example, one wall of shelving is designed with thin shelves for spices and specialty items, while the other two walls are deeper for cans, boxes, and paper goods:

Chatham County New Home Storage Idea #5: Built in Benches

Add hidden storage to your breakfast room, mudroom, hallway, or nook with built in benches.

Wendell North Carolina New Homes | Built In Storage Benches

Chatham County New Home Builders

At Travars Built Homes, our design build capabilities offer you the opportunity to modify your floor plan to fit your lifestyle. Let us know if you want to plan for extra storage spaces after building your home.

We can modify your floor plan with things like a prepared alcove with the dimensions you’ll need later on.

In this Chatham County custom home, the upstairs loft includes a stretch of half wall (instead of more open railing) designed to accommodate future storage built-ins:

Contact Travars Build Homes for new home pricing in Chatham County, NC – and the surrounding areas within about an hour of Chapel Hill, NC.

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5 Myths About Multi-Generational New Homes NC

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Give everyone the space they need. Combine living arrangements where it makes the most sense for your new multi-gen home (with a dual master, mother in law, or extended family layout). What do you need to know, when you look at plans and look for a multi-gen new home builder?

Travars Built Homes builds new, custom multi-gen homes in NC. Ask us for house plan options that fit your needs – click here.

As you consider space for long-stay extended family members, caretakers or guests, here are the top myths about building a multi-generational new home in North Carolina:

Chatham County Homes

North Carolina multi-gen new home myth #1

I can attach a separate apartment to my home that is private, as long as it is part of the initial home structure. FALSE.

TRUTH:

Any portion of your home that is separated by a wall, as opposed to having an access from one part of the home to the other, can be considered a duplex and would likely not be approved as a single family home in NC.

Be careful to choose a floor plan that includes any multi gen, mother in law, or dual master elements as an integral portion of the home. Although there can be privacy, there must be access into the home. Although it can have a private entrance from the exterior, it must also have an entrance on the interior. Additional regulations may apply.

Even floor plans that have a little apartment attached will need to have approval from all applicable entities before it can be built. This is especially true when you want to add a little apartment on the other side of the garage, for example, as it will have it’s own systems and is self-contained, which means it can be considered a separate residence.

Chatham County Homes

North Carolina multi-gen new home myth #2

I can build a guest cottage on my lot if I have a big yard. FALSE.

TRUTH:

Your ability to build a structure on your lot – whether it is a cottage, outbuilding or gazebo, needs to have approval from the building department, architectural review board (if you live in a community with an HOA) and other factors such as water and septic or sewer systems.

Even if your lot is in a countryside location, you will need to familiarize yourself with county or town regulations applicable to your land. You’ll need a building permit before you get started.

Most custom home community covenants do NOT allow a guest house on the same lot.

If the lot has a septic system, it will typically be rated for 3-4 bedrooms. So even if a separate structure is allowed, you will need to divide the amount of bedrooms per dwelling to use that system – and you may be required to have a separate system, which will need to be approved.

Some custom home communities allow a second structure such as a garage or an art studio. It may be possible to have a small cottage, which may require attachment with a breezeway. See the community covenants for their rules. All structures will need to be approved the the archiectural committee as specified in the covenants.

It may be possible for a guest house to be considered a separate home, as opposed to a single dwelling on the lot, depending on the regulations for that location. This would also need to be approved by the building department as well as the architectural review board in the community.

North Carolina multi-gen new home myth #3

As long as I have an entrance from one part of the home to the other, I can have two full kitchens, great rooms, and pretty much duplicate my home as though it is a duplex as long as it is accessible from both sides via a doorway. FALSE. GET APPROVALS AND PERMITS – THIS IS NOT THE INTENT OF A SINGLE FAMILY HOME.

TRUTH:

Be careful about trying to combine two families into one structure, with what amounts to two separate homes if zoning is for single family homes. This can be rejected by building department regulations, zoning, and community covenants.

Multi gen plans can be customized and there are many possibilities. However, a single family home is not the same thing as a duplex, which requires different zoning and other requirements.

The best approach to having a multigen home accepted by regulators is to choose a layout that is designed for a single family with a long term guest or caretaker. For example, a kitchenette could be more appropriate for a mother in law, care taker, or guest suite than a home with two full kitchens and living areas. As with all homes, your floor plan must adhere to the approval process, and follow all the rules.

Avonlea | Durham Home Builder

North Carolina multi-gen new home myth #4

A full apartment in the basement is always acceptable in single family zoning. FALSE.

TRUTH:

Nothing is “always acceptable” – your custom home builder will help guide your choices in adherence to rules and regulations. As with any addition to the home that is designed to accommodate multi-gen situations, a full apartment in the basement must be approved as applicable by the county, town and any other entities that have say in the process, including the community HOA (where applicable).

Although multi gen accommodations within the home are accepted more widely than a stand alone cottage or a separate apartment on the other side of the garage with it’s own systems, acceptability depends on local regulations and requirements.

More often, you will find new multi-gen homes with two master bedrooms or a master suite and guest suite on the first floor:

Avonlea | Durham Home Builder

North Carolina multi-gen new home myth #5

A multi gen home must share the same laundry room FALSE.

TRUTH:

You can typically have as many laundry rooms as you would like in your home. You can also have as many bathrooms as you like. The only rooms limited by septic system regulations are the amount of bedrooms – as the indicator of how many people live there full time.

In fact, it’s becoming common to have two or even three laundry rooms, for added convenience inside non multi-gen new homes. Some custom homes have a laundry room on each floor. Some have laundry setups in the master suite closet or extended guest suite.

Laundry Mudroom Door to Master Closet | Mebane NC New Homes

Whether you are seeking to create a mother in law suite, multi-gen, dual master, or small apartment in the new home you want to build, the most important thing to keep in mind is how to divide gathering areas and personal space.

We will help you with that! Contact Travars Built Homes to get started.

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19 Questions to Ask NC home builders – before you buy

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What questions should I ask builders about building a new home in the Raleigh, Durham, Chapel Hill region of North Carolina?

“Price per square foot” is NOT the most important thing to know.

Use this checklist of new home construction cost questions – and learn why to avoid asking “what’s your cost per square foot”? Contact Travars Built Homes for answers to these questions.

Questions to ask NC home builders: (Not) cost per square foot

  1. Why does price per square foot come out much higher for some homes than others, even though the size and layout look very similar?
  2. What comes included in this home, as a starting, “basic” build?
  3. Can you give me a detailed package that has everything in writing, so I can see just what’s already in there and what I need to add?
  4. How long will it take to build my new home?

Questions to ask NC home builders: Location and site work

  1. Where can you build my new home in NC?
  2. Is site work included in your price? Do you give that to me prior to contract?
  3. What does it cost to build this home on my lot, as opposed to on a lot in your community?
Questions to ask NC home builders

Questions to ask NC home builders: Floor plan layout and style

  1. How do I find a cost-effective floor plan?
  2. Why does a home with a large kitchen cost more to build than a home with a large great room?
  3. Why does an owners suite on the main floor cost more than an owners suite upstairs?
  4. Why does it cost more to have a sprawling footprint than one that has more square feet upstairs?
  5. Why does a home shaped like a “box” cost less to build than a home with “cutouts?”
  6. How much less does it cost to build a bonus room over a great room than to add a keeping room on the main floor?
  7. Why do contemporary home architectural styles cost more to build than traditional architectural styles?
Questions To Ask NC Home Builders
Questions To Ask NC Home Builders

Questions to ask NC home builders: Selections and features

  1. How much does a typical homebuyer pay in addition to the “base” price for your homes once they start including things like microwaves and other features that are in typical custom homes?
  2. How many choices do I have for selections in your “base” pricing?
  3. What kind of energy efficiency (features and processes) does this home have?
  4. How much do windows and doors matter when adding up costs?
  5. Does it cost more to have a carriage than a third bay in the garage?
  6. Is a sealed crawl space included?
  7. Are there built-ins? Trey ceilings? Trim around windows and doors? Crown moulding?
Questions To Ask NC Home Builders

Learn more about building a new home in North Carolina in our FAQs. Contact Travars Built Homes to start asking questions!

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What kind of loan do I need to build my new home?

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How is a custom home financed in North Carolina?

When you build a new custom home in North Carolina, it’s typical to need a construction to perm loan, as opposed to a mortgage loan, which is more common when purchasing an existing home.

Construction loans are short term loans, most often with interest-only payments that are intended to last the length of your new home construction – up to one year.

Your lot purchase and the construction of your home are typically bundled into one transaction with a construction loan, so you do not need to buy the lot before you build. Travars Built Homes can be built on your lot, in custom home neighborhoods or countryside locations within about an hour of Chapel Hill.

Contact us to learn more about how to build a new custom home on your land.

Interest payments in a construction loan are only due in segments, with the construction loan accessed gradually by the builder through draws as specific portions of your home are completed. 

The North Carolina county or city inspector will approve each portion of the home as it is completed, and your construction lender will review the progress before dispersing the draw to the builder.

What About when the Home is Complete? 

What happens with your construction loan upon completion of your home depends on the program you have entered with your lender. It’s most common to subsequently take on a mortgage for permanent financing, with terms up to thirty years. However, some construction loans have a one time close, which has different terms than a two time close. Your lender will advise you of the differences.

Where can I learn more about North Carolina Construction Financing?

Daniel McCoy of the McCoy Team at MVB Mortgage #485895 offers a variety of programs to choose from for your new home construction loan. 

MVB Mortgage

336 255-0445

Daniel.mccoy@mvbmortgage.com

This Portfolio Lender has programs with:

  • As low as 95% LTV, conventional up to $453,000 on primary residence
  • As low as 90% LTV, conventional up to $453,100 on second home
  • 100% financing for eligible VA borrowers
  • Jumbo financing to $2mil
  • Cross-collateralization and Bridge options
  • Interest only payments during the construction period
  • 660 Minimum Credit Score
  • All loans subject to credit approval

North Carolina new home loan products and interest rates are subject to change at any time due to changing market conditions. Actual rates available may be based on a number of factors including your credit rating, size of down payment and amount of documentation provided. This information is provided as an overview of the loan process and not a guarantee of lending. Contact your tax advisor about the deductibility of interest. Contact MVB Mortgage for more information about mortgage products and eligibility.

MVB Mortgage NMLS#181319

Contact Travars Built Homes to learn how to build a new home in North Carolina. Get started with your floor plan search.

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