Building a new home is an exciting journey, one filled with anticipation, decisions—and, ultimately, the joy of homeownership. At Cristo Homes, we make the process of building a home as seamless and stress-free as possible, ensuring you enjoy the experience from start to finish.

Whether you're making the move from renting, purchasing your first home or looking for an affordable yet high-quality new construction home, this guide will walk you through the complete process of working with a builder like Cristo Homes.

Step 1: Determining Your Budget and Financing Options

Before diving into home selection, it's essential to establish a clear budget. Cristo Homes simplifies this step by connecting you with preferred lenders who can help you understand your mortgage options, including loan types, interest rates and down payment requirements.

Many of our buyers are pleasantly surprised to find that a brand-new Cristo home can be as affordable — if not more affordable — than purchasing an older resale home.

Key Considerations:

• Evaluate your financial situation: Review your income, savings, credit score and current expenses to determine how much you can afford.
• Get pre-approved for a mortgage: This gives you a clear picture of your purchasing power and can make your offer more attractive to the builder.
• Compare loan types: Understanding the difference between FHA, VA and conventional loans can help you make an informed decision.
• Work with Cristo Homes' preferred lenders: They offer competitive rates and a smoother financing process, helping you secure a loan that fits your needs.
• Understand monthly costs: Beyond your mortgage, factor in monthly costs like property taxes and homeowners insurance.
• Plan for upfront costs: Down payments, closing costs and moving expenses should be part of your budget planning.