On Your Lot

Where do you Want To Live?

On Your Lot


Welcome to the easiest and most efficient way to have a high quality, personalized Caruso home built on the lot of your choice throughout the suburban areas of Baltimore/Washington DC, Raleigh/Durham and Delaware.

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On Your Lot

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Caruso’s On Your Lot

Purchasing Process

Our experienced Sales and Construction team will guide you throughout the entire process to ensure your home is built with Caruso Homes standards of quality craftsmanship you expect and deserve.

Find The Right Lot

The greatest benefit to building On Your Lot is the flexibility to choose a location exactly where you want to live--want to be near the grand kids, in a specific school district, or prefer something farther in the country--it’s up to you! When searching for the right home site, there are many questions to consider: Is the lot flat or does it have steep grades? Are there a lot of trees to be cleared? Will it be an in-ground or walkout condition? Does it have water and sewer available or will it have a well and septic? Will the home you want to build fit on the lot? We can help you answer these and other questions pertaining to the feasibility of the lot.

Decide on a Home Plan and Options

Explore our Available Home Plans to determine the type of homes that suit your needs. Do you want a 1-story or 2-story? How many bedrooms and bathrooms are needed? Create your wish list of options and features and then use our Floor Plan Designer tool to design your ideal home.

Get an Accurate Cost to Build

A representative from Caruso Homes will determine the placement of the home on the property and identify what site improvements are needed. A cost estimate can then be developed which includes three critical elements:

1) The cost of the lot

2) The price of the home (Base price + options/upgrades)

3) The lot finishing (permitting, driveway, utility installation, site clearing, etc.).

Apply for Financing

Meet with a mortgage consultant to start the financing process. Caruso Homes has relationships with multiple lenders that specialize in construction-to-permanent loans to guarantee that you receive the most competitive terms and conditions. They can even pre-qualify you before you start your home search.

Pre-Construction Meeting

Before construction begins, you will meet with our construction team to review the plans and selections for your new home. At this meeting you will receive a timeline of the building process, identifying key points in the building cycle.

Construction

During construction your personal Caruso Homes project manager will be available to address any concerns or questions you may have. Throughout the construction process your home will go through a series of county inspections, as well as our own quality assurance inspections, to ensure that your home is built to the highest standards.

Pre-Closing Orientation

Before going to settlement, you will meet your project manager for a walk-through orientation to demonstrate the operating procedures and quality features of your new home. We will also identify any punch out items that need to be corrected and review our warranty procedure.

Settlement

Congratulations! It is time to go to final settlement where you will approve the final paperwork and receive the keys to your new home. You will also receive information about our warranty program and service procedures. You are now ready to move into your beautiful, new Caruso Home and start making memories!

Need Help?Frequently Asked Questions

Financing Your New Home

In today’s market the majority of Custom Home construction is financed through a construction-to-permanent loan. With flexible terms, highly competitive rates and fast closings, construction loans are the most popular choice for financing your new dream home. Our preferred lenders have a full range of the best financing programs available today and are dedicated to helping our customers enjoy a stress-free financing process. They can even pre-qualify you before you start your home search.

A Construction-to-Permanent mortgage allows you to finance the construction of your new home while it is being built. You will lock in your interest rate and settle on the loan before construction begins. During construction, the bank will make payments or disbursements to the builder at each stage of the building process based on a pre-approved draw schedule and inspections. When the home is completed, the loan will convert to a permanent mortgage and you will begin making regular mortgage payments.

  • Save time and money
  • Construction-to-perm loans combine construction financing and mortgage financing into one loan. With only one closing, you save the time and additional costs of a second closing.
  • Can offer security by including a loan rate protection option “rate lock or float down option.”
  • Allows you to prepay without penalty.
  • You are charged interest only on funds as you use them until the completion of your home then the loan will be refinanced into a permanent loan.
  • Interest paid on construction-to-perm loans while the home is under construction is tax deductible on your current year taxes.
  • Reputable and professional loan officers will be there to guide you through the entire loan process, providing the highest level of support and ensuring all your questions are answered.

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Ask SARAH AND CATHARINE

Ask SARAH AND CATHARINE

Our New Home Consultants

Contact our New Home Consultants today to answer your questions or schedule your in-person or virtual appointment.

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Testimonials

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From Our
Customers

Caruso Homes Testimonial - The Hopkins Family

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I expected the buying process to be... you bought the home, you go ahead and do it on your own. But Caruso was there with us every step of the way.