Frequently Asked Questions About Buying a New Home with Hartford Homes

Is it better to buy a home or continue renting?

For many buyers, purchasing a new construction home offers long-term benefits such as building equity, predictable monthly payments, tax advantages, and the freedom to personalize your home. Compared to renting, homeownership can provide greater financial stability and the opportunity to invest in your future.

Do I need a Realtor to buy a new construction home?

No, you do not need a Realtor to purchase a new Hartford Home. However, many buyers choose to work with a Realtor for additional guidance throughout the homebuying process.

Does Hartford Homes pay Realtor commissions?

Yes. Hartford Homes welcomes Realtor representation and offers compensation to licensed real estate agents who register and accompany their clients according to our broker registration policy.

What down payment is required to buy a new construction home?

Down payment requirements vary based on your loan type and lender. Many buyers purchase with as little as 3%–5% down, while others choose to put down more. Our preferred lending partners can help determine the best financing solution for your situation.

What are closing costs when buying a new home?

Closing costs typically include lender fees, prepaid taxes, homeowners insurance, title fees, and other transaction-related expenses. Most buyers can expect closing costs to range between 2%–5% of the purchase price, although your lender can provide a more precise estimate.

What is earnest money when buying a new home?

Earnest money is a deposit submitted with your purchase agreement to demonstrate your commitment to purchasing the home. The amount varies by home and community and is credited toward your purchase at closing.

What new homes and homesites are currently available?

Available homes, homesites, and move-in ready opportunities change frequently. Our sales team can provide the most up-to-date information on available lots, floor plans, views, and locations within each Hartford Homes community.

Do you have homes, lots, or incentives that aren't listed on the website?

Possibly. While we regularly update our website, some homesites, quick move-in homes, incentives, and upcoming releases may not yet be reflected online. Contact our team for the latest availability and special opportunities.

Does Hartford Homes negotiate on price?

Hartford Homes strives to offer competitive pricing and exceptional value from the start. While home prices are generally consistent, buyers may benefit from available promotions, financing incentives, closing cost assistance, or move-in ready home specials.

How long does it take to build a new construction home?

Construction timelines vary based on the community, floor plan, homesite, weather conditions, and permitting schedules. In most cases, a dirt start home takes approximately 6–10 months from contract to completion.

What is included in the price of a dirt start home?

The purchase price typically includes the base floor plan, homesite premium (if applicable), structural options, selected design finishes, and any additional upgrades chosen during the building process.

How much do buyers typically spend on upgrades?

Upgrade investments vary widely depending on personal preferences and the home selected. Some buyers make only a few design selections, while others choose more extensive customization. Your sales counselor can provide examples and pricing ranges based on your goals.

Do I make mortgage payments while my home is being built?

No. With a traditional new construction purchase, mortgage payments generally do not begin until construction is complete and you close on your new home.

Does Hartford Homes accept home sale contingencies?

Yes. Hartford Homes offers flexible home sale contingency options for qualified buyers who need to sell their current home before purchasing a new one. Contingency terms vary depending on the home, community, and construction timeline.

What happens if my current home doesn't sell during the contingency period?

Our team will work with you throughout the process and discuss available options based on your specific situation and contract terms. We strive to provide solutions that help make your transition as smooth as possible.

How quickly do I need to close on a new Hartford Home?

Move-in ready homes typically close within 30–45 days, depending on financing and contract terms. Dirt start homes close upon completion of construction.

What warranty does Hartford Homes provide?

Hartford Homes offers a comprehensive new home warranty program designed to provide peace of mind after closing. Coverage includes workmanship, systems, and structural components according to the warranty guidelines. Certain routine maintenance items remain the homeowner's responsibility, including caulking, grout maintenance, HVAC filter replacement, sprinkler maintenance, and seasonal home upkeep.

Still have questions?

Call Kendall at 970-716-6088 for more information!