Mortgage Process
Our approved lenders have been selected based solely upon their experience, qualifications, professionalism and reputation for providing low cost competitive mortgage rates, and for being able to close in a timely manner with our home buyer. Some builders have preferred lenders because they have some special interest or buisness relationship with them, however, our interest is that our customers receive the best posible rates!
The working relationships that we have with our preferred lenders help streamline the process to simplify it and create a much quicker turnaround time. By selecting one of our approved lenders you can be assured you will obtain a competitive mortgage rate with no excessive or junk fees.
Our Preferred Lenders
First Harrison Bank
Rob Marlin
812-949-2265
rmarlin@firstharrison.com
Visit First Harrison Bank to learn more about our preferred lenders!
www.firstharrison.com
New Washington State Bank
Matt LaHue
Ph 812-246-0600
Fax 812-246-0630
Cel 502-724-6320
mlahue@newwashbank.com
Visit New Washington State Bank to learn more about our preferred lenders!
www.newwashbank.com
Magnolia Mortgage
Tammy Ferguson
Office: 812-920-0434
Cell: 502-608-6998
Email: tammy@magnoliamortgage.com
Phases of Construction
1. Sales Agreement
Your family selects your home plan, home site, and any structural changes. You then sign a sales agreement and secure a mortgage.
2. Home Owner Selections
Your family meets with our sales staff to select the options that will make your home unique. Material orders are made & Klein Homes will develop a construction schedule.
3. Permits
Klein Homes works with appointed officials to obtain all the necessary permits required to build your new home.
4. Foundation
Your family’s homesite is surveyed, staked, and excavated. We then run the plumbing lines from the street to your foundation. The foundation is poured and once cured, backfilled with soil.
5. Framing
Your family’s exterior and interior walls are framed, then your roof trusses are installed. If you are having a basement put into your home you will see the floor joists and subflooring installed first.
6. Exterior Finishes
When the framing is complete, wall sheathing is added to enclose your home and house wrap or felt paper is then attached over exterior walls to prevent water penetration. Roof sheathing is added over trusses, attic vents are installed, and roofing materials are added. Windows and exterior doors are installed, and facade materials such as brick or vinyl are added to exterior walls. Finally, the exterior trim and paint are applied.
7. Mechanical
HVAC, plumbing and electrical systems are installed. Systems are “roughed in,” leaving exposed ends of pipes, wiring and ductwork to be finished later. Bathtubs and shower units and other large items are installed. Framing and rough mechanicals are inspected.
8. Insulation and Air Sealing
Insulation is added between the studs in all exterior walls and between the joists forming the attic. Gaps between framing members and around windows are then sealed to eliminate potential air leaks.
9. Interior Finishes
Wall and ceiling drywall is instaled and finished. Interior doors, trim, and shelving are installed, and paint is applied. All other materials, including cabinets, countertops, mirrors, and flooring are installed. HVAC, plumbing and electrical are finished, including registers, faucets, light fixtures and appliances.
10. Landscaping
Your yard is graded to slope away from your foundation, then driveways, walkways, and poured concrete porches are added.
11. Quality Inspections
While landscaping is being completed, Klein Homes continuously performs quality inspections on your new home. A punch list is prepared including any items that need attention, and all repairs are made prior to your New Home Demonstration Meeting. After repairs are made and inspected, your home is cleaned and made ready for the New Home Demonstration Meeting.
12. Closing
Prior to closing, Klein Homes will host a New Home Demonstration Meeting with your family. Here, your project manager will explain the mechanicals and demonstrate the operations of appliances. You may ask questions about the operation of your new Klein Home, as well as make note of any items needing attention (such as paint touchups).
Within days of this meeting you will sign closing papers, officially transferring ownership of your Klein Home into your name.
