Your Homebuilding Journey With Pacesetter Homes

Building a new home should feel exciting, clear, and well guided. Our customer experience is designed to walk you through each stage so you always know what is happening, what comes next, and who is here to help.

From planning to construction to move in day, our team supports you with clear communication, helpful resources, and personal guidance every step of the way.

The Journey at a Glance

Our homebuilding process is organized into three simple stages. Each stage includes important milestones, in person meetings, and regular updates so you are never left guessing.

Planning Stage
Where your home and financing details are finalized.
Building Stage
Where your home takes shape and quality inspections occur.
Welcome Home Stage
Where we support you beyond closing and into homeownership.

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The Planning Stage

  • Receive Pre-Approval letter from one of our Preferred Lenders

  • Execute contract and finalize home site, plan, and structural options

  • Loan Application – Receive credit decision within 5 days of executed contract

  • Finalize exterior brick, stone, and paint colors within 7 days

  • Attend Red-Line appointment to review and select remaining available options with electrical, plumbing, and low voltage

  • Attend 1st Design Center Appointment within 14 days of executed contract

  • Attend 2nd Design Center Appointment – all selections must be completed within 21 days of executed contract

  • Preparing to Start Construction – We are working behind the scenes on your plans, permits, and purchase orders

  • Pre-Construction Plan Review – Meet your Construction Manager to review your selections and plans with you at the model home

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Step 2 : Selecting A Homeowners Insurance Plan

Mortgage lenders require buyers to get a homeowners insurance plan for the new home and show proof of this insurance just before or during closing.

Home insurance helps protect you from major, unexpected costs. If your house is damaged by something like a fire, the policy can contribute toward repairs or rebuilding. If your belongings are stolen—such as phones, TVs, jewelry, or other valuables—coverage may help reimburse you so you can replace them.

It can also protect you if someone is hurt on your property. For instance, if a guest falls on your walkway or steps, the policy may help cover medical bills or legal claims.

The goal is to have enough coverage to restore your home and replace your items after a loss. If you’re financing your purchase with a mortgage, your lender will typically require active home insurance before final approval.

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Step 3 : Preparing Your Finances For Closing Day

Mortgage lenders require buyers to get a homeowners insurance plan for the new home and show proof of this insurance just before or during closing.

Closing costs are the fees paid to your lender and other third parties to close on your loan. They’re typically around 2% – 6% of the purchase price of the home and include several fees, like the appraisal, origination, title insurance and application fees. You may also have to pay mortgage insurance depending on the type of loan you get and how much you put down. Keep in mind that closing costs are not the same as prepaid costs.

Earnest money is the money you put down to show the seller you’re serious about buying their home and protects the seller if you were to back out of the deal. The money is held on an escrow account until the deal is completed, then applied to your down payment or closing costs.

Lender credits are provided by the lender to absorb your closing costs in exchange for paying a higher interest rate. This could be a good option for cash-strapped buyers who may not have a ton of money to pay closing costs. However, a higher interest rate means you’ll pay more in interest over the life of the loan.

Cash to close is the total amount of money – closing costs included – that you need to bring on closing day. Your down payment makes up much of your cash to close. Depending on your loan, your down payment could be as little as 3% or as high as you wish. If you have a government-backed loan, like a USDA or VA loan, you may not have a required down payment.

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Step 4 : Planning What To Bring To The Table

Most of the closing documents you’ll review and sign on closing day will be provided to you at closing. There are some items you’ll need to bring on closing day. To make sure you don’t forget anything on such and exciting day, create a list and check off your items as you pack them. Start your list with these required items:

  • A form of identification, like a driver’s license, passport or government-issued photo ID
  • A certified or cashier’s check in the amount of closing costs due or proof of a wire transfer (cash and personal checks are not usually accepted)
  • Your Closing Disclosure to compare to final paperwork
  • Proof of your homeowners insurance

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