New Construction

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Getting a mortgage to build a house

Unless you have the cash available, you’re going to need financing to build your new home.

Most financial institutions offer new construction loans or construction mortgages. They’re similar to traditional mortgages but usually involve a higher interest rate. Another significant difference is how the money is delivered. Rather than receiving a lump sum as you would with a traditional mortgage, your construction loan will be paid out in stages. This is known as a “progress draw mortgage.”

At each stage, an inspector visits the construction site to assess the progress you’re making. If the inspector is satisfied with the safety, schedule, and budget of your building project, a positive progress report will be sent to your lender, who should then approve your next tranche of funding.

Factors that affect the cost of building a house

Our team is fully in-house which means strict quality control and complete accountability for your project. That’s not something you can say about most New construction experts in Houston, TX.

For specialty Construction, we work with known and reputed contractors. That’s how you have the assurance that your project will be completed to the standards you expect, on time.

How to save money when building a house

Despite all the costs involved with building a home, it is possible to reduce your expenses if you consider the following:

Talk to different contractors and find out what their pricing is. Make sure you research anyone you plan on hiring.
Although a custom-designed house is appealing, it can be exponentially more expensive than one that’s already been designed.
Instead of building a giant dream home, consider the minimum square footage that will meet your needs. The smaller the house, the less you’ll pay.
You may not need top-of-the-line materials in every room. Focus on the aspects of the home that are most important to you and concentrate your spending there.
It’s not necessary for your new home to be perfect in order to be livable. You can always install a pool or finish the basement later.

See what our customers say

Highly recommended for any home improvements you may have. They do it all!! They are like a one stop and shop from electrical work, floors, room additions, and more. They have a very professional and friendly crew that comes to your home to work and leaves the workplace orderly.

I used One Call Construction for significant restoration, structural repair, electrical, painting, fence building, grading and gravel, and landscaping. I had an accelerated timeline and they worked through the day and even late evenings to make it happen. Always superb work and easy to recommend.

We had our shower area remodeled. New tub, tile, and fixtures. Great experience from start to finish! We really enjoyed the experience from the design, to picking out fixtures, to actual work on the bathroom, everyone was great and communicated well. We wouldn’t hesitate to work with them again!

I contracted OCC to put a roof over my patio. From start to finish they took care of my needs and concerns. In the end Owner personally came out to take care of a couple of small details that resulted in spectacular outdoor setting.