Avoid these mistakes that will kill your financing.

A typical “to be built” home building process can last up to 4 months. Prior to starting you will have given your financial information to you new home lender. Based upon that information the lender gives you loan approval and AWAY YOU GO! AS your new dream home starts coming out of of the ground your excitement is “off the charts”! Here are a few mistakes to avoid to keep that dream from turning into a nightmare:

  1. NOT have any additional inquiries into your credit
  2. DO NOT apply for any new loans, auto loans, mortgages, or credit cards
  3. DO NOT make any major purchases using credit cards
  4. DO NOT anything (i.e. electronics, furniture etc.) at some “no interest” sales promotion
  5. DO NOT change your job or take a less paying position without first talking to your lender.
  6. DO NOT pay close any bank accounts, pay of any collections or make large deposits without first talking to your lender.
  7. DO NOT write a check that bounce.

Avoid these mistakes and closing on your new home should be “Smooth Sailing”!

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Fair Housing Policy – “This company conducts business in accordance with all federal, state, and local fair housing laws. It is our policy to provide housing opportunities to all persons regardless of race, color, religion, sex, familial status, handicap, national origin or sexual orientation. The company’s fair housing procedures are not recommendations. They must be followed by everyone associated with the company.”
CMS Homes LLC is a new home builder specializing in New Homes for sale in Troy MO and New Homes for sale in Lincoln County MO. You are sure to find your special new home in on of our 8 new home subdivisions in Troy MO. and Lincoln County MO. We also can help you buy a new home with no money down or help you with a custom home built on your lot.
If you visit a display home many items displayed are optional upgrades. Please ask the salesperson what items are standard features and which items are optional upgrades which are an additional charge over and above the model base price.
*New home prices and interest rates are subject to change without notice. Advertised square footage may slightly vary as built. New homes pictured may not be available at the lowest advertised price. Advertised monthly payments are based on principal and interest assuming a fixed 30 year term with no money down. Other fees such as taxes, homeowner’s insurance and HOA fees are not included and will result in a greater actual monthly payment amount. 100% financing available through USDA, eligibility requirements do apply. 3D floor plans, interior rendering images and exterior rendering images are intended for illustration purpose only to give you a basic idea of the home layout. Many items shown are not expressed or implied to be included in the base price of any home. This includes but is not limited to cabinetry layout configuration, cabinet trim and accessories,counter tops, flooring, fixtures, equipment, appliances, lighting, colors, interior furnishings, exterior trees, shrubs, driveways, sidewalks, size of lawn and landscaping. Please contact CMS Homes for a specific list of items included and standard features.
Some grass pictured is digitally applied to photo and is not included with home as pictured.