For One Reason or Another, Sometimes Buyers Purchasing New Homes May Need to Skip an In-Person Session in Their Builder’s Design Center
For One Reason or Another, Sometimes Buyers Purchasing New Homes May Need to Skip an In-Person Session in Their Builder’s Design Center
That may seem daunting, but many new home purchasers make their choices for optional features without a hands-on experience because they buy homes long-distance. Thankfully, with the help of professional photos, interactive tools, and design center experts, it’s possible to feel confident in your choices without physically entering the design center.
Information Gathering Phase
Before you’re ready to make decisions about paint colors and flooring options, you’ll need to take the time to establish your budget and understand your builder’s process. Most buyers wrap optional choices into their mortgage, but remember that the amount you can spend above the base price of your home is limited by the maximum amount you can borrow and the appraised value of the completed home.
For example, if you qualify for a $300,000 loan and the base price of the home you’re buying is $250,000, in theory you’ll have $50,000 to spend on options. However, $50,000 in options on a $250,000 home may not equal $50,000 in appraised value. It’s important to be careful with your optional choices so they are in line with neighborhood values. Be sure to discuss this with your lender and your builder, as you may be required to pay for upgrades in cash rather than through financing.
Key Considerations:
- Cash vs. Financing: Paying in cash for upgrades avoids interest charges, but ensure you maintain an emergency fund and move-in budget.
- Builder Incentives: Ask if options are included for using the builder’s preferred lender or title company.
- Structural Upgrades: Decide early on additions like extra windows, room extensions, or exterior upgrades, as these consume a larger portion of your budget and require early commitment.
Gather Your Ideas
While you may already have strong opinions about home design, exploring platforms like Houzz, Pinterest, or design magazines can help refine your style. Bookmarking ideas or printing photos ensures you stay organized before working with a design professional.
Before your virtual appointment:
- Review your builder’s website for photo details and interactive tools.
- Experiment with virtual reality or design software offered by the builder.
- Prioritize upgrades that are costlier to change later (e.g., flooring, cabinets) over simpler swaps like paint colors.
Work With Your Design Center Team
Virtual consultations are key. Schedule a video conference using platforms like Zoom, Skype, or Google Hangouts, and ensure you:
- Test the software beforehand.
- Choose a quiet, well-lit space to optimize screen clarity.
- Prepare questions about timelines, pricing, and product samples.
Essential Questions to Ask:
- What is the deadline for finalizing choices?
- Are options priced individually or bundled?
- Can samples (e.g., paint swatches, flooring) be mailed?
- What appliance brands are available?
Design professionals can showcase combinations of finishes via video chat and advise on complementary styles. Use online tools like the Sherwin-Williams Color Visualizer to experiment further. Always request written confirmation of your selections to avoid misunderstandings.
Final Tips
Trust your instincts. Builders typically offer finishes aligned with current trends, and if you loved the model home or online visuals, your final choices will likely satisfy. Avoid overthinking—focus on balancing priorities, budget, and long-term value.
