Home Buying Guide
Quality homes for local communities
Step by Step Buying Guide
Finding your home
- Meet with your sales representative
- Select your floor plan
- Reserve your home
Financing
- Meet with your preferred lender
- Start the mortgage application process
- Pre-qualify for your loan
Personalize your home
- Visit the design center
- Select your finishes and upgrades
Almost there
- Frame walk with job super prior to sheet rock
- Final walk-through and home orientation meeting 1 week before close
Final Paperwork
- Sign your loan and closing documents
- The loan funds
- The title company records and transfer of ownership
- Obtain homeowners insurance
Welcome home
- Your keys are delivered
Benefits of Buying a Newly Built Home
Customize your home
Choose a floor plan, layout, and location that meets your needs AND your tastes. With options across the board for fixtures, appliances, flooring, and counters, buying a new JKB home will create the perfect space for the rest of your life.
Live with better building standards
With the advancements in homebuilding standards, JKB homes built today meet stringent building codes and standards not previously in place. This includes increased safety standards, better air quality, and higher overall efficiency. Another perk of a well built home? Less overall and long term maintenance.
go green
How to Pre-Qualify For Your Loan
You must have loan pre-approval prior to signing the purchase contract. The lender’s job is to understand your particular financial circumstances completely. You will review all information on the application at your meeting with the loan officer. A situation rarely arises that your loan officer has not encountered in the past. Do not hesitate to discuss any questions you have regarding your assets, income, or credit. By providing complete information, you prevent delays or extra trips to deliver documents.
Loan Application Checklist
Documentation and information required for a mortgage can seem overwhelming. You can facilitate the application process by collecting as much of the needed information as you can before your appointment. The checklist that follows is a general guide to assist you with the loan application. Some of the items listed may not apply to you and your lender will probably request some items that we have not mentioned, but this list will get you off to a good start.
The purchase agreement will include the legal description of the property and the price
Social Security number and driver’s license for each borrower.
Home addresses for the last two years.
Divorce decree and separation agreements, if applicable.
Trust agreement, if applicable.
Names, addresses, phone numbers, and account numbers of all mortgage lenders for the last seven years.
Copies of leases and two years of tax returns for any rental property.
Market value estimate.
Most recent pay stubs.
Documentation on any supplemental income such as bonuses or commissions.
Names, addresses and phone numbers of all employers for last two years.
W-2’s for last two years.
If you are self-employed or earn income from commissioned sales, copies of last two years of tax returns with all schedules and year-to-date profit and loss for current year, signed by an accountant.
Documentation of alimony or child support, if this income is considered for the loan.
Complete names, addresses, phone numbers and account numbers for all bank, credit union, 401 K, and investment accounts.
Copies of the last three months statements for all bank accounts.
Copies of any notes receivable.
Value of other assets such as auto, household goods, and collectibles.
Cash value of life insurance policies.
Vested interest in retirement funds or IRA’s.
Names, account numbers, balances, and current monthly payment amounts for all revolving charge cards.
Names, addresses, phone numbers, and account numbers for all installment debt and approximate balances and monthly payments for such items as auto loans and mortgages.
Alimony or child support payments.
Names, addresses, phone numbers, and account numbers of accounts recently paid off, if used to establish credit.
Recommended Homeowner Maintenance
Your new home has been built by licensed subcontractors. It was designed with the needs of your family in mind. It will require regular preventive maintenance by you to preserve its beauty and value. An understanding of how to care for each feature in your new home will prevent costly repairs and replacements later.
Preventive maintenance on your new home must begin when you move in. Read the information provided in your homeowner’s manual to become familiar with the procedures for maintenance.
The area in which your home has been built offers a wide range of temperatures that may be experienced from day to day. These temperature variations combined with expansive soils that are common in the area affect our building practices and your home. Building materials such as wood and concrete are subjected to constant expansion and contraction from day to day. This can result in minor warping of wood materials and cracking of drywall, stucco, concrete and mortar. These effects are particularly obvious in the first year after a new home has been built.
You can minimize these effects on the interior of your home by maintaining a constant temperature indoors. This allows the wood to dry at an even rate and may eliminate larger settlement cracks.
Minor cracks and displacement of wood are a normal part of the aging process of your home and do not affect its structural integrity.
We have provided an overview of the features and materials in your new home. Please study each section carefully so that you become familiar with the routine maintenance that your home requires.
Before you do maintenance such as repainting and replacing exterior items, please consult your Homeowners Association or your C.C.&R.’s, where applicable. This will make sure that the work that you do meets the regulations and guidelines that have been established for your neighborhood. Be especially careful when you repaint with a different color, erect new structures or fences, add to or change your landscaping and when you install window coverings that are visible from outside the home.