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Listen to the Podcast Modular Minute!
The
Modular Process
Pre- Approval - Financing Second homes - Desing -Zoning - Permits
Making luxury Affordable in Little Egg Harbor - LBI - Beach Haven West - Brigantine - Wildwood
Here is a quick guide to understanding 'the Modular Process' from Financing to zoning to permits to move in day:
Mortgage Loan Calculator
Ready to start seeing your dream home become a reality? We are here to help you each step of the way. Click on the "Calculate Now" button below, and once in, you will see Calculator / Monthly Payment/ Purchase Budget. Click on Purchase Budget and begin calculating your numbers.
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Once done computing, you can easily go back to viewing each page of our site and further explore the floorplans, options and finishes for your new home!
1. Financing
Before starting the process, we recommend you get a pre-approval amount from a lender who does Modular Construction Loans, so you have a starting place. It’s and easy process and necessary so we can help you figure out what size/type of home will work in your budget. Click on the link below to get information for a Loan Officer that has helped many of our clients get their financing completed over the years. He really knows his stuff so you are in good hands. Once you have a pre-approval, you can proceed in a few ways. If you have already received an email from us with some rough pricing of several types of homes, which is meant to help you figure out the approximate size and type of home that will work in your budget, then you can search for your dream home on our Plans page. You can search by criteria, Type of Home, Size of Home, number of Bedrooms, number of Bathrooms. We recommend leaving these both at 1+ and just search by Type & Size. Or pick a home or two you would like to build, go to our contact page, fill out the information and list the homes you like and would like some pricing information for. Letting us know where you want to build is important…
2. The Building Site
If you already own a lot you’re ½ way there. If you own the lot outright it will go a long to helping you with financing your home. If you do not yet own a lot there are many ways to find a suitable building lot, either online on the many different real estate sites or For Sale by owner sites or certainly a trusted local real estate agent. Give us a call and we can tell you what to look out for so the lot you might be considering is suitable for the size home you want to build. Understanding the zoning for any lot you might want to purchase is very important before you purchase the lot. Also, are there overhead wires in front of your lot that “might” create a problem? We are here to help.
3.The Design of your Dream Home
At Jersey Shore Modular Homes we pride ourselves on the fact that we are an experienced Custom Modular Home Builder and can help you design the home of your dreams. A new home that not only meets your lifestyle and family’s needs, but more importantly, one that will work in your budget. Once we have an idea of what you want to build and/or some type of floor plan, we can get you an estimated price range before you spend a single dime.
If the price is in budget you are on to the next step – committing to Jersey Shore Modular Homes as your builder so we can help you start the process of making your Dream Home become a reality. The first step once you commit to us as your builder is the Design Build Agreement so we can design and draw your home. We do this for you as part of our service, no additional cost is involved like it would be if you were building your home the traditional site built way.
This is yet another difference between Modular and traditional site-built homes. If you go the traditional site-built route, not only is it more expensive to build the home and it takes longer but you have to pay an Architect a lot of money up front to draw a home so it can then be priced by a builder. At that point is when you find out what it might cost to build your new home, well after you have already spent thousands of dollars. What if the home that was drawn does not fit in your budget? Will the Architect draw a smaller home at no charge or something that will fit your budget?
No, unfortunately that is money you will never get back if your budget is not large enough for the home that was drawn.
4. The Zoning Review
Before we can design and draw your home we must confirm what size home will fit on your lot. An updated survey is ordered as soon as possible. This survey is then sent to our Architect so they can tell us what the building envelope is for your lot. In other words, what size home will fit inside the set backs for your lot. Once this step is accomplished we draw your plan and send it to the modular factory so they can draw it in their Auto Cad program and get you set up in their pricing system. When this is done the factory will send us this preliminary drawing so we can take the next step.
5. The Décor Selection Meeting
The next step is to set up what we at Jersey Shore Modular call a Décor Selection Meeting. This is the fun part of the process, where you pick out colors, features and any upgrades for your new home. We will guide you through the entire process.
6. Stamped Plans
Once all your décor items are picked and all the costs reviewed and are confirmed and if we are still in budget, it’s time to order the stamped plans for your home. Stamped plans are the set of plans we need to submit with the permit application to the town.
7. Permits
Once the stamped plans for the house come back from the factory we forward them to the architect so they can draw up the stamped foundation plans and deck/stair plans which are also needed as part of the permit application. You don’t have to sweat this part of the process which can be very daunting, our experienced staff will handle all the steps necessary to get your permits. Because we have built homes in so many towns we have the know how to navigate through this process.
8. The Home is ordered
Once Permits are in hand, your home is ordered. While we are waiting for your home to arrive which can be anywhere between 8 & 10 weeks depending on time of year and how many orders the factory has at the time we order your home, we begin the site work. This is when we get your lot ready for delivery of your new home - demolition or moving your current home, grading if applicable, constructing your foundation, etc…
9. Your Home is finished
Once your home is delivered and set on the foundation it will take between 2-4 months depending on the size/type of home and detail of the site work that has to be accomplished before you can move in. We do our best to be sure this part of the process is moved through as quickly as possible. It is our goal to get your home done ahead of schedule.
10. The Move in Day
Once we have the Certificate of Occupancy (C.O.) you can move into your new home and enjoy it for years to come. This is as exciting a day for us as it is for you.