Your Building Blog for the Rochester Area

Why It Pays to Work with a Reputable Homebuilder Who Listens to YOU

Posted by John Graziose on Fri, Nov 11, 2016 @ 10:11 AM

Why-It-Pays-to-Work-with-a-Reputable-Homebuilder-Who-Listens-to-YOU.jpgA big part of building the home of your dreams involves finding the right builder for your project. For a lot of individuals, that means finding a reputable builder with the right building skills. Of course that’s extremely important, but some of our past clients cited another ability as a big reason they chose Gerber: Our ability to listen.

Why is that so important? One reason is that building a custom home is a rather unique endeavor—one that starts with your vision of what you want your home to be. Your home should reflect your style and personality. Exactly what that is may not be obvious on the surface. You’ll want to find a builder who can grasp your vision and then work with you to create the home you’ve always dreamed of—instead of adapting your vision to his or her plan.

We recently had clients tell us, “I know you build lots of homes, but this is the only one we’re building!” We get that! It’s why we work with customers every step of the way—from choosing the right property to creating the right floor plan to making the final finish selections on the inside of the home. But to do that, we need to know what our customers want and think. Frankly, there’s no better way to do that than to talk to them and listen to their thoughts, their concerns, their ideas, and their questions. Even though we are one of the largest privately owned area builders, that doesn’t mean we are “too big” to get to know every one of our customers.

After listening to our customers, our consultants are ready to guide them through our 6 personalized steps to buying a home so they can understand everything they need to know about  process. That empowers them to make the best choices for their unique goals.

Why-It-Pays-to-Work-with-a-Reputable-Homebuilder-Who-Listens-to-YOU2.jpgOf course it’s one thing for us to talk about how we listen to customers, but we think our customers do a better job of explaining how important that is—and of describing what the custom homebuilding process with Gerber is like.  We invite you to click here to hear how Scott and Sherri describe the process they went through when we built their new home in Victor.

If you want a home that reflects your personality, your lifestyle, and your sense of style, make sure you select a custom homebuilder who will listen to your vision and come up with a plan to turn that vision into reality.

gerber homes client testimonials

Topics: Rochester AreaCustom Homebuilder, reputable custom builders in Rochester, finding a builder that listens

Don’t Forget These Numbers When Calculating the Mortgage on Your Rochester-Area Home

Posted by John Graziose on Fri, Aug 12, 2016 @ 08:08 AM

Dont-Forget-These-Numbers-When-Calculating-the-Mortgage-on-Your-Rochester-area-Home.jpgWhen planning the budget for your new home in Ontario, Webster, Perinton, Canandaigua or anywhere else in the eastern Rochester area, the first thing most homeowners think about is what their monthly mortgage payments are going to be. It’s an important first step to get at least an estimate of what your principal and interest will be.

There are a number of free online mortgage calculators you can use to help you approximate your monthly payments. You can click here to look at one from Quicken Loans, or check out one from Zillow that also includes taxes and insurance.

Those tools are helpful for providing a rough idea of your expenses. However, many homeowners overlook some figures a free mortgage calculator just doesn’t include.

  • Interest Rate Changes: Even though we’ve enjoyed low interest rates on mortgages for a long time, they can change very quickly. If you’ve budgeted too tightly, a small increase in the rate could put your mortgage out of reach. Make sure you have a bit of flexibility built in to accommodate those shifts.
  • Rising Taxes: While nobody really expects taxes to go down, many homeowners don’t consider that their property taxes could go up. As with the interest rate increases mentioned above, this could push your mortgage out of range if you’ve calculated too closely. Again, make sure you have a bit of wiggle room.
  • Emergency Expenses: Nobody likes to deal with emergencies, but sometimes unexpected events (car repairs, education expenses, medical bills, etc.) occur. Make sure the loan you qualify for leave you so strapped that you can’t handle those emergencies.
  • Those Pesky Fees: It’s easy to forget about those additional expenses for things such as utility connections, inspections, access fees and HOA dues. Individually, they may not be overwhelming, but they can add up, so make sure you take those into account when calculating your budget.
  • Changes: More often than not, homeowners find themselves wanting to make changes to the original plans in order to make their homes fit their wants, needs and desires. Sometimes the changes aren’t extravagent, but there are times when they can be significant. If it’s a change you really want to make, it will probably never be cheaper to do it than while you’re building. But if you haven’t allowed a buffer in your budget, you won’t be able to take advantage of the opportunity.

Those are some of the things a generic online mortgage calculator won’t figure for you. Go ahead and use one to get a general idea of where your budget will land, but don’t forget about these other important numbers. If you plan for “surprises” ahead of time, you’ll be a lot more confident and relaxed when it’s time to begin building.



Topics: Rochester AreaCustom Homebuilder, limits of home mortgage calculators, Greater Rochester

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