Questions & Answers
At Oliver Homes, we make the new home construction financing process simple and stress-free. Securing a mortgage for new home construction is often just as easy as financing an existing home. Many lending institutions offer flexible new home construction loans and custom home financing programs designed specifically for buyers who want to build a new home or build on their own lot.
A qualified mortgage lender or new home financing specialist can guide you through the process and explain your options from the start. During your initial visit, your lender will clearly outline the construction loan requirements, down payment options, and budget planning details to help you begin building your dream home with confidence.
A qualified mortgage lender or new home financing specialist can guide you through the process and explain your options from the start. During your initial visit, your lender will clearly outline the construction loan requirements, down payment options, and budget planning details to help you begin building your dream home with confidence.
Absolutely! At Oliver Homes, we help families seamlessly transition from their current home into a brand-new home. Our experienced team guides homeowners through every step of new home construction, making the process simple and stress-free.
We’ll connect you with trusted mortgage lenders to arrange new home financing contingent on the sale of your existing home, so you can move forward confidently with your custom home or new construction home. We’ll also refer you to a professional real estate agent to help sell your current property for the best return.
With expert coordination and timing, you can move directly into your newly built home, supported by a trusted home builder serving families since 1948.
We’ll connect you with trusted mortgage lenders to arrange new home financing contingent on the sale of your existing home, so you can move forward confidently with your custom home or new construction home. We’ll also refer you to a professional real estate agent to help sell your current property for the best return.
With expert coordination and timing, you can move directly into your newly built home, supported by a trusted home builder serving families since 1948.
At Oliver Homes, we work with a variety of new home construction loans to fit your financial needs—whether you’re building a custom home, buying a new home, or planning to build on your lot.
Common loan options include:
Common loan options include:
- Commitment Loan – Guarantees permanent financing once construction is complete.
- FHA and VA Loans – Government-backed options with special benefits and low down payments.
- Construction-to-Permanent (One-Time-Close) Loan – Combines construction financing and permanent mortgage; only one closing.
Oliver Homes builds within a radius of Hagerstown, MD, including Washington County MD, Frederick County MD, Franklin County PA, Adams County PA, Berkeley County WV, Jefferson County WV, and Morgan County WV.
At Oliver Homes, we can build your new home almost anywhere within 60 minutes of Hagerstown, Maryland. Whether you’re looking to build on your own lot or prefer to live in one of our new home communities, we have several beautiful neighborhoods with available home sites ready for construction.
Contact one of our New Home Sales Representatives to discuss the best location for your custom home or new home construction project.
At Oliver Homes, we can build your new home almost anywhere within 60 minutes of Hagerstown, Maryland. Whether you’re looking to build on your own lot or prefer to live in one of our new home communities, we have several beautiful neighborhoods with available home sites ready for construction.
Contact one of our New Home Sales Representatives to discuss the best location for your custom home or new home construction project.
If you already own land, Oliver Homes can help you get started right away. At no cost to you, our Site Engineer will visit your property to evaluate the land and determine the best location for your new home.
Your New Home Sales Representative will then meet with you to review the site work involved and outline the next steps in the home building process, ensuring your custom home is perfectly designed for your lot.
Your New Home Sales Representative will then meet with you to review the site work involved and outline the next steps in the home building process, ensuring your custom home is perfectly designed for your lot.
Our New Home Sales Representatives will take time to understand your lifestyle, family needs, and budget. We’ll show you a wide variety of new home plans, from spacious single-family homes to thoughtfully designed custom homes.
We’ll help you choose a floor plan that fits your lifestyle, meets your budget expectations, and provides the features you want in your dream home.
We’ll help you choose a floor plan that fits your lifestyle, meets your budget expectations, and provides the features you want in your dream home.
Absolutely! Oliver Homes has an experienced, full-time draftsman and design team who specialize in custom home design. We can modify our standard floor plans to include your ideas, special features, or accessibility needs.
Your New Home Sales Representative will work with you and our design professionals to create a custom-built home that’s truly one-of-a-kind.
Your New Home Sales Representative will work with you and our design professionals to create a custom-built home that’s truly one-of-a-kind.
Yes! Many of our homeowners bring us plans or ideas from magazines or online. Our in-house draftsman can adapt those concepts into a fully functional custom home plan. We’ll tailor the layout, features, and finishes to match your preferences while meeting all local building codes and energy-efficiency standards.
The first step is to meet with an Oliver Homes New Home Sales Representative. We’ll discuss your expectations, design preferences, family needs, and budget goals.
From there, we’ll guide you through choosing the best home design, the ideal building lot, and the right new home financing options. Our experienced team will support you through every stage of the home building process—from planning and design to construction and move-in.
From there, we’ll guide you through choosing the best home design, the ideal building lot, and the right new home financing options. Our experienced team will support you through every stage of the home building process—from planning and design to construction and move-in.
At Oliver Homes, most of our new homes are completed within five to six months after the foundation is poured. Before construction begins, we’ll provide an estimated completion date, and we typically confirm a final date about 45 days before settlement.
Our efficient process and experienced construction team ensure your new home is built on time and with the highest quality craftsmanship.
Our efficient process and experienced construction team ensure your new home is built on time and with the highest quality craftsmanship.
No surprises here. Oliver Homes believes in transparency from start to finish. Our Site Engineer carefully evaluates your building lot to calculate all costs associated with your new home construction, including permits, utilities, and site preparation.
Your New Home Sales Representative will review every detail with you so you’ll know the total investment before signing the Agreement of Sale. We guarantee your home building budget upfront—no hidden fees, no unexpected costs.
Your New Home Sales Representative will review every detail with you so you’ll know the total investment before signing the Agreement of Sale. We guarantee your home building budget upfront—no hidden fees, no unexpected costs.
While the choice is ultimately yours, most homeowners find that a newly constructed home offers far greater long-term value. New homes include a one-year full warranty and a ten-year limited warranty, along with all-new systems, appliances, and energy-efficient features—meaning less maintenance and repair costs over time.
In contrast, a used home often requires immediate upgrades like new flooring, roofing, or HVAC systems. With a custom-built home from Oliver Homes, you enjoy modern design, the latest building materials, and peace of mind for years to come.
In contrast, a used home often requires immediate upgrades like new flooring, roofing, or HVAC systems. With a custom-built home from Oliver Homes, you enjoy modern design, the latest building materials, and peace of mind for years to come.
Voted Tri-State’s Best Home Builder 2019-2024 (6 consecutive years).
Since 1948, Oliver Homes has been a trusted local home builder, serving families across Maryland, Pennsylvania, and West Virginia for over 75 years. We are proud to be a family-owned and operated home builder that continues to build for third and fourth generations of homeowners.
We offer a 10-year limited home warranty, a full Customer Care Department, and an experienced construction team dedicated to quality, value, and customer satisfaction. Our reputation speaks for itself—many of our new homeowners come from referrals by happy clients who trust Oliver Homes to build their dream home.
Since 1948, Oliver Homes has been a trusted local home builder, serving families across Maryland, Pennsylvania, and West Virginia for over 75 years. We are proud to be a family-owned and operated home builder that continues to build for third and fourth generations of homeowners.
We offer a 10-year limited home warranty, a full Customer Care Department, and an experienced construction team dedicated to quality, value, and customer satisfaction. Our reputation speaks for itself—many of our new homeowners come from referrals by happy clients who trust Oliver Homes to build their dream home.
After signing your Agreement of Sale, you’ll meet with our Color Coordinator for a personalized Design Center Appointment. During this visit, you’ll tour our Design Showroom to choose all the interior and exterior finishes for your new home—including siding, flooring, cabinets, countertops, and paint colors.
We invite you to visit our Design Showroom at our main office before your scheduled appointment to explore our wide range of products and see firsthand the quality materials used in every Oliver Home.
We invite you to visit our Design Showroom at our main office before your scheduled appointment to explore our wide range of products and see firsthand the quality materials used in every Oliver Home.
