Build On Your Land?
A “Build on Your Land” program, offered by only a few home builders, is a service that allows customers to construct a new home on a parcel of land they already own or will be purchasing. Instead of purchasing a pre-built home or building within a pre-defined community, this program gives homeowners the flexibility to create a home of their chosen design and budget on their own property. Here’s a breakdown of the program:
Key Features:
Site Evaluation: John Hunter Home Builders assesses the property for suitability, including soil testing, topography analysis, and zoning or permitting requirements.
Home Design Options:
Silver Series
Gold Series
Platinum Series
Permitting and Utilities: John Hunter Home Builders will often handle tasks like obtaining building permits, connecting utilities (water, sewer (septic), and electricity), and ensuring the land meets local, county and state building codes.
Cost Transparency: Homeowners receive an itemized estimate covering construction, site preparation, and potential additional costs, such as clearing the land or installing septic systems.
Construction Process: The builder constructs the home on-site, managing all stages of the build.
Advantages:
Freedom to select a unique location for your home.
Opportunity to personalize home design to match your needs.
John Hunter Home Builders offers expertise and resources that simplify the process.
Considerations:
The land must meet certain criteria for construction.
Costs for site preparation can vary significantly.
Financing options will differ from those of traditional home purchases but our Preferred Build On Your Land Mortgage Partner is here to walk with you through the entire process.
This program is ideal for those who already own land or prefer living outside a standard housing development. Our Silver Series product is ideal for First Time Home Buyers and/or buyers who are considering purchasing a Manufactured Home. All 3 of our Series of homes are built to the same construction standards and carry our full 10-year structural warranty.
One of our Preferred Realtor Team members can also help you find that perfect location for us to build your new John Hunter Home Builders home.
Kristie Henry
About Kristie Henry
NMLS # 509457
Kristie is our preferred mortgage partner for financing Build on Your Land projects. With over 35 years of experience in banking, Kristie brings unmatched expertise to homebuyers looking to build their dream home. Whether you're ready to finance a new build, purchase land, or need guidance through the process, Kristie's knowledge and commitment make her an invaluable resource.
A proud Azle native, Kristie joined Pinnacle Bank in 2013 and currently serves clients at the Rhome branch. Her extensive experience in consumer and commercial lending, combined with a Business Management degree, ensures she understands your unique needs and delivers solutions tailored to your goals.
When she's not helping customers build their dreams, Kristie enjoys traveling and spending time with family and friends.
Let Kristie help you take the next step in turning your land into the home you've always wanted!
Ready to get started? Contact Kristie today!.
About Pinnacle Bank
NMLS #440079
Pinnacle Bank pairs friendly, personalized service with decades of experience to make your homebuying journey as smooth and stress-free as possible. Whether you're buying or building your dream home, they offer a wide range of mortgage financing options to help bring your vision to life.
If you are interested in building a home on your own land, Pinnacle Bank's mortgage lender, Kristie Henry (NMLS #509457), is John Hunter Home Builder's preferred lender. Kristie has been assisting local consumer and commercial clients with their financing needs since 2013. She's deeply familiar with the home-building process and uses her wealth of knowledge to guide and empower her clients. When you're ready to build, trust Kristie to help you make it happen.
800 Highway 287 Suite A
Rhome, TX 76078
(817) 638 - 2901
kristie.henry@pinnbank.com
www.pinnbanktx.com
Our Preferred Mortgage Partner for ‘Build on Your Land’ projects!
What to Expect.
01 Let’s Chat!
Are you buying your land or do you own it? When did you purchase it?
How much did you pay for it?
Do you have a budget and plans? What is the construction going to cost?
What type of home are you planning to build?
Discuss draw process
02 Prep Time!
Here’s what we need to get your loan review underway:
Paystubs – copy of most recent 30-day period
W-2s – copy of last 2 years’ forms
Tax Returns – Copy of previous 2 years’ federal tax returns (all pages)
Copy of IDs – Social Security Card and Driver License
Copy of Settlement Statement from land purchase
Copy of Warranty Deed & Survey
03 Application Process
Go to www.pinnbanktx.com to complete an online application or contact Kristie to complete one with her over the phone!
Once we have your signed application, we will pull a credit report to submit with all the other documents for review. (If you have a hold on your credit report, it will need to be removed prior to us pulling a report)
04 Review and Approval Process
Once we are at this stage, a global cash flow analysis will be prepared, and project details will be reviewed by Kristie and her local lending committee.
When approval is granted, I will give you a call with the great news!
05 Let’s get Closed!
Now that we have approval, we will need a couple more things:
Executed construction contract
Name, address, phone number and contact person for the title company you wish to use