WHAT IS THE FIRST STEP?
 
The first step is to be pre-qualified for a mortgage so you can know your budget for home and lot.

DO I NEED TO FILL OUT AN APPLICATION AND PAY A FEE FOR PRE-QUALIFICATION?

No, just contact Maryann Decker at M & T Mortgage (888)539-1160, ext. 6685. She will pre-qualify you over the phone in minutes.

ONCE I AM PRE-QUALIFIED, SHOULD I SHOP FOR A LOT?

No. You need to contact Nova Land Development to pick out your house first. Buying a lot before you have priced out your home may leave too little for the home you want. With the completed questionnaire and your pre-qualification I can give you a price right over the phone for a “turn-key” or “drop-ship” home.

WHAT DOES TURN-KEY MEAN?

A turn-key price should include a complete home with all the amenities, from the foundation to the roof, and everything in between. This would also include all of the site work, permit fees, certificate of occupancy. It would not include the original perc and soil log, septic design, or closing costs.

WHAT DOES DROP-SHIP MEAN?
 
It means pretty much just that ! I would sell you the home, 90% completed, deliver it to your completed foundation, and set the home (putting the units together) You would act as your own general contractor to finish the home, hiring the plumber, electrician, mason, landscaper, and siding contractor yourself. On an average 2,500 sq. ft., 2-car garage home the savings would be about $40,000. I can supply you with a list of sub-contractors you would need, scheduling instructions and approximate budgets to complete the project.

HOW WILL I GET FINANCING FOR A DROP SHIP?
 
M & T has programs for “owner/builders” and they appraise the project at it’s completed value.

HOW LONG DOES IT TAKE TO COMPLETE A TURN KEY PROJECT?
 
From the design/contract phase, to your certificate of occupancy, about 5-6 months depending on approvals and weather, which in comparison to the stick-built process of about 12 months or even longer with bad weather, is extremely short.

I HAVE A HOUSE TO SELL, WHEN SHOULD I LIST IT?
 
When building a modular home you know when it will be finished. You should list your home as soon as you enter into contract for the modular.

ARE ALL BUILDING LOTS SUITABLE FOR MODULAR HOMES?
 
NO! You can call Nova Land Development for a no-charge site inspection to determine suitability, and to make sure it conforms to estimated site costs.

WHAT ARE YOUR QUALIFICATIONS AS A BUILDER?
 
I started in the construction business in 1972 as a stick builder. Since then I have completed a course at Penn State in modular technology, and I am a licensed builder and real estate sales person in New Jersey