Loan Application - Check!

My husband and I met with the loan originator from NVR this evening to complete our loan application.  Everything went smoothly and there were no surprises on either end.  We obtained a pre-qualification from NVR prior to finalizing our selections and negotiating a sales agreement so we don't expect there to be any issues with our loan approval.  However, given the reputation of NVR, we expect it to be a lengthy process with a few hiccups along the way.  How long did it take for your loan approval from NVR?  Did you experience any issues along the way?

Our Selections

Our strategy for choosing options was to begin with a "Pie in the Sky" configuration of options and upgrades that included everything we would love to have in our new home.  Our sales rep gave us the options list for the Oakmont which we took home and reviewed for a few days.  When it came time to negotiate we couldn't quite get to a number we were happy about with our "Pie in the Sky" so we needed to remove some items.  Overall, we are very happy with what we ended up with and feel we negotiated a fair deal.  Here are the dirty details:

Exterior

Elevation E

Brick Front

Partial Porch

(see photo on the right)

Basement

Egress Window (req'd by code)

2 Foundation Windows

3 Piece Plumbing Rough-In

Main Level

Morning Room

Gourmet Island

Wyoming Cherry Spice Cabinets

Brushed Nickel Hardware (kitchen & bathrooms)

Recessed Lighting in Kitchen

Icemaker RI

Gas Range Hook-up

4 Foot Extension to Family Room

Side Fireplace (slate) with 2 recessed lights

Window in Family Room (rear)

Study

Interior Cased Openings

Crown Moulding & Chair Rail

Pine Banisters

Upper Level

Closed Foyer (adds sq. ft. to bedrooms and hall bath)

Luxury Owners Suite

Ceramic Tile Upgrade – Owners Bath

Andover Maple Spice Cabinets – Owners & Secondary Bath

Double Bowl Sink in Secondary Bath

Electrical

Dedicated Circuit (for basement level refrigerator/freezer)

6 Ceiling Fan Rough-Ins (4 bedrooms, family room, morning room)

Floodlights (rear of home)

Plumbing

Garage Floor Drain

Laundry Tub

Mechanical

Humidifier

We are within our 30 day window so we still have the opportunity to make non-structural changes.  Does anyone have any comments or recommendations on items to add or remove? 

Choosing a Floorplan

After visiting several models in the Pittsburgh area, we narrowed our decision down to the Victoria Falls and Oakmont floorplans.  Luckily choosing the Oakmont was easy because the 3 lots in our phase that could accommodate the Victoria Falls were either sold or on hold.  So the Oakmont it is!  Floorplan.  Check!          Here is a link to the interactive Oakmont Floorplan on RH website:

http://www.ryanhomes.com/floor-plan?id=14187

It's official! We are building a home!

Hello, fellow home builders!  After several months of talking, researching, and reading blogs, my husband and I have decided to build our first home – with Ryan Homes!  We would like to extend a huge thank you to everyone that has been blogging about their experience.  The information we’ve gathered from the E-Community has been tremendously helpful and knowing there is a support network has eased much of our anxiety about the entire process.  Congratulations to those of you that have recently closed on your home and good luck to those who are mid-build.  We look forward to communicating and sharing our experiences with all of you!