If you are in the market for a new construction home, it may be tempting to walk through the sample model and just have your house built just like it. But remember, the sample house isn't always what it seems-- and unless you are purchasing the actual sample model at the end of the construction phase, you may also find that your house doesn't come included with everything you thought it would. Here are some things to keep in mind when you look at new construction:

Look at all of the home models. Just say the development offers five different models of homes, but they only have one sample house. That's four other layouts that you haven't seen! Don't just look at the blueprints of the other layouts-- seek out an actual model of the home. The builder may have samples of the other layouts at different construction locations. Or, if there are already other houses built in the development, ask the builder if you can see one of the already-built models. It is hard to tell what a house will look like by just looking at the plans, so walk through every model and then decide which one you like best.

Don't assume everything in the sample is included. Most builders will give you a sheet that lists the exclusions (things in the sample home that aren't included in the base price). They should also give you an option price list. But be on the lookout for little things. For example, when we bought our home, we liked how the sample model had a good flow (there was an opening with French doors between the living room and the family room). We assumed the French doors cost extra (they did), but luckily my husband looked out the layout plans close enough to notice that the actual opening was an extra, too. If he hadn't noticed that detail, then the wall between the two rooms would have been closed off!

Think about the future. So you're buying your new home and you're married without kids. Think about five years from now. Are you planning to start a family? Make sure the house will accommodate your future family. Maybe you think there is no need for a finished basement right now, but in a few years when you have a toddler or two running around, would you want a basement playroom? It may be cheaper to get it done now by the builder than to have to get it done later.

Don't assume you can't change things. When we bought our new home seven years ago, we were a little wet behind the ears. We didn't think to ask for changes, like granite countertops or extra recessed lighting. We assumed we could only ask for items that were listed on the option list. Well guess what? After living here a few years, we've seen dozens of changes that other neighbors asked for-- and got. Don't like the flooring options? Tell the builder you want to order your flooring from your favorite flooring place. Remember, the builder is working for you. The house should be built according to your specifications.

Think about the lot. Some people are so focused don the actual house that they don't think about the lot that they are purchasing. Want privacy? Then try to choose a lot that backs up to woods. Choosing a lot with no houses behind it? Check to make sure that it won't be built on later (of course there are no guarantees). Don't mind living in a fishbowl? The lots that back up to other houses are usually les expensive. Remember, many new construction sites have premiums on their lots, so make sure you know how much the actual lot premium is before you choose a lot.


Make a wish list and then work from there. Buying your new home will be one of the biggest expenditures of your life. Most of us can't afford to get every extra option that we want, so the best thing to do is start with a wish list. Take a piece of paper and list everything that would be included in your dream home. Don't worry about the cost just yet, just list every single thing you'd love to have (examples: an open foyer, hard wood floors, French doors, recessed lighting). Next, figure out what your mortgage budget is and then go over your wish list with a fine tooth comb to see which items are must-haves. Add the costs of these extra options up and see if you can afford anything else. And don't forget-- walk through the sample home often to make sure that you know exactly what options are included in the base price.