Questions to Ask When Building a House

Building a new home is one of the biggest investments you’ll ever make, but it can be confusing if you don’t know what to ask before you begin. If you wait to ask, decisions may already be locked in. That’s why it’s so important to know the right questions to ask when building a house — before the paperwork is signed and the foundation is poured.

This guide gives you the clarity you need to start smart, avoid costly missteps and build with confidence.

Builder Credentials and Track Record: Vet Your Builder Before You Build

Before you fall in love with a floor plan or a model home, take a step back and look at the builder behind the house. Choosing a reputable builder goes beyond assessing quality construction: The choice also involves trust, transparency and knowing you’ll be supported throughout the process. To help you in this area, ask these questions:

1. How long have you been building homes?

Experience matters. A builder with a long-standing track record is more likely to have refined processes, stable subcontractor relationships and a portfolio of happy homeowners. Look for at least several years in business, ideally in your region.

2. Are you insured in this state?

This is non-negotiable. Proper insurance protects you financially in the event of construction errors, unfinished work or unexpected issues.

3. Do you have references I can speak with?

Past clients can give you insight into what it's really like to work with the builder beyond the sales pitch. Ask about communication, delays, unexpected costs and how issues were resolved.

4. Can I tour a home you’ve completed recently?

Walking through a finished home gives you a firsthand look at craftsmanship and attention to detail. Look for clean lines, precise finishes and a space that feels intentionally crafted.

5. What type of homes do you specialize in?

Not all builders are a fit for every buyer. Some specialize in high-end custom homes, while others focus on affordable starter homes or move-up options. Make sure their style, price range and process align with your goals.

Floor Plans and Design: What You Can and Can’t Customize

One of the biggest perks of building a home is the ability to tailor it to your preferences, but keep in mind that builders offer various levels of customization. Before you fall in love with a layout or Pinterest board, make sure you know what’s possible, what’s included and what will cost extra.

These questions will help you understand how much creative control you’ll have, and whether that aligns with your vision, your timeline and your budget.

6. What’s included in the base price, and what’s considered an upgrade?

Base prices often cover the structure, standard finishes and lot, but many of the features in model homes are upgraded. Ask for a detailed list of what’s included and get clear examples of what upgrades typically cost. This helps you avoid sticker shock later.

7. Can I make changes to the floor plan or layout?

Some builders offer flexibility with layouts — like adding a bedroom, moving walls or extending a patio — while others stick closely to set designs. Ask what changes are allowed and at what point in the process they need to be finalized.

8. Are there pre-designed packages or fully custom options?

Many builders offer curated design packages to streamline decision-making while still offering variety. Others may allow full customization. Understand what approach they use and whether it matches how involved you want to be in the design process.

9. What kind of design selections can I make? When do I make them?

From cabinets and countertops to flooring and lighting, it’s important to know what you can choose and when you’ll make these selections. Some decisions must be made before construction begins, while others can be chosen later. Clarify these deadlines so you’re prepared.

10. Will someone help guide me through the selection process?

Choosing finishes can be fun, but also overwhelming. Ask if you’ll work with a design consultant, and how much support is offered. A good builder will walk you through options, help you stay on budget and ensure your choices align with your floor plan and lifestyle.

Pricing and Budget Transparency: Know What You're Paying For

Building a home is a major financial investment. While the sticker price may look straightforward at first, there are often hidden costs and variables that can catch buyers off guard. The best way to protect your budget (and your peace of mind) is to ask clear questions upfront.

Asking this group of questions will help you understand the full financial picture, from deposits and upgrades to loans and unexpected expenses.

11. What’s the estimated final price of the home, including upgrades and lot costs?

The base price is only the starting point. Be sure to ask how much your preferred floor plan, lot and typical upgrades might add to the final price so you can budget realistically from the beginning.

12. What is the deposit structure, and is it refundable?

Different builders require different types of deposits. Some are refundable, others are not. Ask when payments are due and under what circumstances (if any) they could be returned if plans change.

13. How are change orders handled and do they affect the timeline?

If you change your mind mid-build — whether it’s flooring or layout — it may impact both cost and schedule. Ask how change orders are submitted, how long they take and what fees are involved.

14. Do you offer financing or preferred lenders?

Many builders partner with lenders who understand their process and may offer financing options, closing cost incentives or smoother underwriting. Ask if using a preferred lender is required and compare options carefully.

15. What happens if material or labor costs increase during construction?

Market fluctuations can affect pricing, especially in longer builds. Ask if your price is locked in or subject to change, and if so, under what conditions. Clarifying this early helps avoid difficult surprises later.

Timeline and Construction Process: What to Expect from Start to Move-In

One of the most common questions we hear from buyers is, “How long will it take?” It’s a fair question: Building a home is exciting, but it’s also a process. Knowing the steps, the timeline and what could cause delays helps you plan better and stress less.

These questions will give you a clearer view of how your builder communicates, handles bumps in the road and keeps things moving.

16. What is the estimated timeline from contract to move-in?

Get a realistic range, not just the best-case scenario. Timelines can vary based on weather, permitting, labor availability and more. A trustworthy builder will give you an honest estimate and keep you updated if things change.

17. What factors could delay construction, and how are those handled?

Unexpected delays happen, from supply chain issues to weather setbacks. Ask how your builder communicates delays, what impact they may have on your timeline and how they work to minimize disruptions.

18. How often will I receive updates on construction progress?

Some builders send regular updates, while others may only check in at key milestones. Find out how often you’ll hear from your builder and what to expect in terms of progress reports, walkthroughs or meetings.

19. Can I visit the site during construction?

If you want to see the progress for yourself, ask when and how that can happen. Some builders allow scheduled site visits with a team member present for safety and clarity. Others may have more restrictions.

20. Who will be my main point of contact throughout the build?

It’s important to know exactly who you’ll be communicating with and how to reach them. Is there a dedicated project manager? A construction supervisor? Understanding your point of contact builds trust and keeps communication smooth.

Warranties, Walkthroughs and Beyond: What Happens After You Move In

Once the dust settles (literally) and you’re handed the keys, your relationship with the builder shouldn’t just end. A great homebuilder stands behind their work and supports you long after move-in day. That’s where warranty coverage, walkthroughs and post-close service really matter.

These questions help you understand what kind of support you’ll receive after closing and what to expect if issues come up down the road.

21. What kind of warranties do you offer (structural, mechanical, etc.)?

Ask what’s covered, how long each warranty lasts and who to contact if something breaks or needs attention. Many builders offer a 1-year workmanship warranty, longer coverage on systems or up to 10 years for structural components.

22. Is there a final walkthrough before closing?

This is your chance to spot small issues before moving in. Ask what the process looks like, who attends and what happens if you find anything that needs to be corrected.

23. What happens if I find an issue after I move in?

Even with a careful inspection, some things may not show up until after you’ve settled in. Ask how to submit a warranty claim, what qualifies and how long it typically takes for the builder to respond or schedule repairs.

24. Do you offer any support for seasonal maintenance or homeowner education?

Some builders provide helpful guides, checklists or even videos to help you care for your home throughout the year. It’s worth asking, especially if this is your first time owning a newly built home.

25. How do you handle warranty requests or repairs?

Find out whether you’ll be working with a service coordinator, submitting requests online or calling directly. Understanding the process (and expected turnaround times) will help you feel confident if you ever need support.

Asking the Right Questions Is the First Step to a Better Build

Your home is one of the biggest investments you’ll ever make. You deserve to feel fully informed throughout the entire process. Asking the right questions is more than just due diligence; it’s how you ensure your future home reflects your needs, values and lifestyle.

At Cristo Homes, we don’t shy away from questions. We welcome them. Whether you’re just starting to explore or already have your ideal floor plan picked out, our team is here to guide you, support you and make the experience as smooth as possible.

25 Essential Questions to Ask When Building a House