Considering New Construction? Talk to Matthew before a model home visit 561 504-4798
Considering New Construction? Talk to Matthew before a model home visit 561 504-4798
The number on the sign is a starting point. What you pay is the base plus the lot premium, the options you pick at contract, the design center, community fees, insurance, and closing. I price all of it before you fall for a model, so the payment is no surprise after you sign.
The advertised base is the smallest, plainest version on the least desirable lot. The homesite you actually want carries a premium, and the best lots go first. I find the real base for the plan and lot you want, not the teaser on the sign.
Some choices can only be made at contract and never after: extended rooms, extra bath rough-ins, ceiling height, garage tandem. Skip one and you can't add it later without a remodel. I flag which options are worth it and which just pad the base.
The model's finishes are rarely the standard ones. Flooring, cabinets, counters, and fixtures are where the price climbs fastest, and the studio is built to move you up. I help you separate the upgrades that hold value from the ones that just run up the total.
A CDD bond can add to your tax bill for years, and HOA dues vary by village and product type. Two homes at the same price can carry very different monthly carrying costs. I pull the CDD and HOA for the exact community and product you're considering so the payment is real.
In Florida, insurance and property tax can move the monthly payment as much as the loan does, and a new build resets the tax basis. Utilities and irrigation on a bigger lot add up too. I put realistic numbers on these so you're budgeting the true payment, not just principal and interest.
Builder incentives usually require their lender, and that rate is only a deal if it beats what you'd get outside. Closing costs, prepaids, and rate buydowns all belong in the comparison. I help you weigh the incentive against an independent quote so you know the real cost of the money.
Bring me the plan and community you're weighing and I'll build the all-in number, then compare it to the other builders. One call turns a sign price into a real monthly payment. Call before you register at a sales office, since that first visit can decide who represents you.
Matthew Sodel, Real Estate Advisor & Certified New Home Specialist, Highlight Realty, FL SL3216518, 561-504-4798, matthew@newhomesjax.com, jax-property.com
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