Frequently Asked Questions / Steps to Building
What is the first step in buying a house?
1. MORTGAGE APPLICATION:
Wise Homes requires you to be pre-qualified within 1 week of writing your purchase contract, you will need to call Intercap Lending to schedule an appointment. Intercap Lending is affiliated with Wise Homes, LLC. At your mortgage appointment, you will discuss and decide which financing options are best for you with the loan officer. You are not required to use Intercap Lending for your permanent financing but you must obtain a pre-qualification letter from them. Once you decide on your financing options and receive loan approval, it is time to move on to the next step.
2. IT'S CONTRACT TIME:
The Offer to Purchase Contract is prepared by the Listing Agent, signed by the Homebuyer, and then submitted to Wise Homes, LLC for review and acceptance. Once the Builder signs the contract it becomes a legally binding document, and sets forth certain obligation for both parties.
Earnest Money will be due when the Offer to Purchase Contract is written.
3. DESIGN APPOINTMENT AND PRE-CONSTRUCTION:
Let the fun begin. In creating the best home buying experience possible, we have made the personalization process easy. You will have a personal Interior designer waiting to help you. The design center is where you will choose your home design options and it is conveniently located in Grantsville. We have an assortment of options from which to choose. You are sure to find options that will complement your personal style and taste.
The pre-construction meeting, (pre-con), takes place when we are ready to start your new home. A Wise Homes representative will verify all of the selections and/or options on your home. You will go over your plans and make any changes that are needed. At your pre- construction meeting we will set proper expectations of what to expect over the next few months. This is a great opportunity for you to ask questions or express any concerns you may have about the construction of your home. Your sales representative will call you to set up this appointment and it will take place in the Design Center in Grantsville. Wise Homes, LLC does not allow changes to the plans after this point, so come prepared.
The Construction Deposit will be due at the time of the Pre-Construction meeting.
4. THE BUILDING PROCESS:
Wise Homes is focused on Quality, Service, and Satisfaction. Through various means of communication, each person in the department is charged with the responsibility to build quality homes in a timely manner while being responsive to the needs and requests of our buyers at all levels.
4-WAY WALK THROUGH:
4-Way Walk Through gives you an opportunity to view what is behind the walls before they are covered with the sheetrock. A Wise Homes Representative will review all of your design and/or structural options, to ensure everything is to your satisfaction before we move on to the next stage. This will alleviate having to do any serious changes later. There is a limited time frame, usually two days, in which we can stop the construction schedule to allow for this meeting. We ask for your cooperation and to please be prepared for this meeting. Your Wise Homes Sales Representative will call to schedule this appointment with you and coordinate the times with a Wise Homes Representative.
Congratulations, you are almost there! Your Wise Homes sales consultant will arrange this meeting between yourself and a Wise Homes Representative. A Home Orientation meeting takes place when your home is completed. We will orient you with your new home. Your orientation involves walking not only the exterior of the home, but every room as well. We will walk you through the steps on how to operate and maintain your new home. This is also an appropriate time to note any cosmetic defects. We will be prepared to make notes of anything pending repair or attention. It is normal to find some areas that are in need of paint touch up. We will be prepared to mark these with colored tape. We usually like five to seven days after your Home Orientation to complete items that need attention. We will discuss the follow-up appointment, which we refer to as the Home Orientation Sign Off.
A “sign off” is the final stage at which time you will sign off on any items that needed attention from your initial home orientation. We do our best to make sure your home is 100% and ready for move in at this point. (Weather can delay things or backordered items may be pending and will be noted for future follow up). We created this 2nd step in our Home Orientation process for you, our homeowner. We want you and your family to be completely satisfied with your new home.
The final step has arrived. Your Wise Homes Sales Consultant will arrange this appointment. The closing of your home will take place at Security Title - Tooele (435-843-8884) 152 W 1280 N., Suite F4, Tooele, UT 84074). At this stage, you will be taking title and ownership of the home. A closing agent (escrow officer) will explain and guide you through the paperwork. Depending on the type of loan you have secured, funds may be required at this appointment. Title companies do not take personal checks so please be prepared with a cashier’s check or money order. You can have the funds wired directly to the title company as well. Don't forget two forms of Identification.
How do I reserve a lot once I’ve selected one?
The Wise Homes Sales Consultants will meet with you and go over House Plans, Lots and Pricing. Once you have picked your lot and house plan they will write the contract to secure your lot.
Can I make changes to the house plans?
This depends on the particular plan, Contact a Wise Homes Sales Consultant to find out if the changes you want to make are possible. Wise homes is a production builder and there for minor changes are allowed but we won’t make changes if that requires a plan to be reengineered.
When do I make my Selections?
This happens after you have an accepted contract. You will be notified by the Wise Homes Interior designer to set up your personal design appointment.
Almost all the selections for the home can be seen in the Design Center located in Grantsville Utah. This includes cabinetry, stone, shingles, vinyl siding, ceramic tile, plank, carpet, vinyl flooring, finishes, paint colors and countertops – which are displayed in manageable samples that can be grouped together to predict and compare effects.
In a matter of about two to three hours, most homes can be fully personalized and specifications finalized. All the selections will be entered into our database system and specification documents will be printed for the homebuyer’s review and signature. This signifies that he/she has selected and approved all the specifications described in these documents. After an Offer to Purchase Contract or an Amended Contract has been signed, we’ll use this information to generate building plans for the home, order materials, and schedule services.
Why do I have to make almost all of my decisions before the start of construction?
Much of the work that goes into the construction of a new home, such as design, ordering, scheduling, and securing required approvals, happens off the job site. This sometimes makes it difficult for a homebuyer to understand why changes to items already selected are highly restricted, even though the items are not yet installed. The written change policy reviewed with homebuyers at the selections meeting establishes the guidelines for change availability.
Even though work on the job site may seem relatively simple, the flow of information surrounding the construction of each new home is complex and detailed. When selections are completed, construction specifications go to field personnel, subcontractors, and suppliers, as well as to our own office staff who are part of the ordering and purchasing process. Many items are ordered well in advance so that our suppliers can keep their stock current and available. A particular option or change may appear in the paperwork of several contractors, and on multiple sets of the construction plans for the house. Many processes are automated, and some occur far from the construction site, as some products used in the home are prepped or assembled off-site. Due to advance ordering and distribution of information to suppliers, subcontractors, and field personnel, most changes are not possible, and those that are possible are subject to service charges.
Can I use one of my own subcontractors to do work in the house before settlement?
No. Only subcontractors approved by the Builder are permitted to work on your house and those subcontractors must be currently working for the Builder.
When will my house be finished?
The settlement date noted on your agreement of sale is our best estimate based on our experience. We know this is crucial to the timing of the sale of your house, mortgage financing and scheduling of the movers, but since there are many steps following the execution of the agreement of sale, it’s hard to say up front the exact date you will go to closing. By keeping in touch with your Wise Homes Sales Consultant throughout the process we can update our estimated settlement timing to help with your planning.
What comes standard in the house?
Because each community may differ, The Wise Homes Sales consultant will go over standard features with you on the community you are looking at. Feel free to give us a call. We are here to help
How can I go through the house while it’s under construction?
For safety as well as logistical reasons, Wise Homes, LLC discourages anyone especially buyers from dropping in unannounced at the construction site. If you’d like to pay a visit, call your Wise Homes Sales consultant. We would be more than happy to walk through the home with you.
What are the steps to the build process?
Here's what to expect during the major phases of construction.
1. The first Step is Excavation - DIGGING THE HOLE!
2. Footings and Foundation:
The hole is dug, the footings are formed and poured, and then foundation walls are formed and poured. The area between them is leveled and fitted with utility runs (e.g. plumbing drains and electrical chases)
Once the concrete is poured, it will need time to cure.
During this period, there will be no activity on the construction site. After the concrete is cured, the crew applies a waterproofing membrane to the foundation walls; installs drains, sewer and water taps and any plumbing that needs to go in to the basement floor; and backfills excavated dirt into the hole around the foundation wall.
When the curing process is complete, a city inspector visits the site to make sure the foundation components are up to code and installed properly.
3. Complete Rough Framing:
The floors, walls and roof are framed. Wise Homes, LLC uses 2 x 6 for our exterior wall then OSB sheathing is applied to the exterior walls and roof, and windows and exterior doors are installed. The sheathing is then covered with a protective barrier known as a house wrap; it prevents water from infiltrating the structure, while allowing water vapor to escape. This reduces the likelihood of mold and wood rot.
4. Complete rough plumbing, electrical and HVAC:
Once the home frame is finished, siding and roofing can be installed. During that same time, the electrical and plumbing contractors start running pipes and wires through the interior walls, ceilings and floors. Sewer lines and vents, as well as water supply lines for each fixture, are installed.
Ductwork is installed for the heating, ventilation and air- conditioning (HVAC) system, and possibly the furnace. HVAC vent pipes are installed through the roof, and insulation is installed in the floors, walls and ceilings. After the roofing goes on, the house is considered “dried in.” The electrician then installs receptacles for outlets, lights and switches and runs wires from the breaker panel to each receptacle. Wiring for telephones, cable TV and music systems is included in this work.
Rough framing, plumbing and electrical and mechanical systems are inspected for compliance with building codes.
This is when we will have our 4-Way Walk Through with the home buyer. (4-Way is when the wiring, heating and plumbing is installed and the framing is complete.) This is the perfect time for our buyers to take pictures of the shell of the home. We make sure outlets are in the correct locations and you get to see what goes in behind the walls.
At this stage drywall is delivered to the building site.
5. Install insulation:
Insulation plays a key role in creating a more comfortable, consistent indoor climate while significantly improving a home’s energy efficiency. One of the most important qualities of insulation is its thermal performance or R-value, which indicates how well the material resists heat transfer. Our homes are insulated in all exterior walls, as well as the attic and all walls located next to the basement foundation.
Wise Homes, LLC uses R-38 Blown Fiberglass Insulation for the Attic. For exterior walls we use a mesh with blown fiberglass 2 x 6 R-23 Insulation and R-11 fiberglass batt foundation drape.
6. Complete drywall and interior textures; start exterior finishes:
Drywall is hung and taped so the seams between the boards aren’t visible, and drywall texturing is completed. The primer coat of paint is also applied after taping is complete. Wise Homes, LLC also starts your exterior finishes such as brick, stucco, stone, or siding.
7. Finish interior trim; install exterior driveways and walkways:
The fun stuff; Interior doors, baseboards, door casings, window sills, and other decorative trim are installed, along with cabinets and vanities. Walls get a finish coat of paint.
Generally, exterior driveways, walkways and patios are formed at this stage.
8. Install hard-surface flooring and countertops; complete exterior grading:
Ceramic tile, vinyl and wood flooring (If applicable) are installed as well as countertops. Exterior finish grading is completed to ensure proper drainage away from the home.
9. Finish mechanical trims; install bathroom fixtures:
Light fixtures, outlets and switches are installed and the electrical panel is completed. HVAC equipment is installed and registers completed. Sinks, toilets and faucets are put in place.
10. Install mirrors, shower doors and finish flooring; finish exterior landscaping:
Mirrors, shower doors and carpeting are installed, and final cleanup takes place.
A building-code officially completes a final inspection and issues a Certificate of Occupancy (C of O). If any defects are found during this inspection, a follow-up inspection maybe scheduled to ensure that they’ve been corrected.
11. Final Walk Through:
Wise Homes, LLC will walk you through your new home to acquaint you with its features, the operation of various systems and components, and explain your responsibilities for maintenance and upkeep as well as warranty coverage and procedures. This is often referred to as Final Walk Through. It’s also an opportunity to spot items that need to be corrected or adjusted, so be attentive and observant. Examine the surfaces of countertops, fixtures, floors and walls for possible damage. Sometimes disputes arise because the homeowner discovers a gouge in a countertop after move-in, and there’s is no way to prove whether it was caused by the builder’s crew or the homeowner’s.
A Few Words about Inspections:
Your new home will be inspected periodically during the course of construction. In addition to mandated inspections for code compliance, Wise Homes, LLC conducts quality checks at critical points in the process. The idea is to catch as many potential problems as possible before construction is finished, though some issues may not surface until you’ve lived in the home for a period of time.
This is an opportunity to learn more about what’s behind the walls of your new home and how everything works.
12. After Closing and Recording. It’s time to MOVE IN! Enjoy your Wise Home...
The information above has been provided as a means to help simplify the process of purchasing and building a new home. In no event are any of the above statements contractual obligations of the Builder or Seller and before relying on any of the above, it is recommended that you discuss any concerns or situations described with the Builder or Seller to ensure a mutual understanding.