How to Get Started Building Your Home

Getting Started

Getting Started with Cozy Homes is easier than you think. Just follow these steps and you will be on your way to building your brand new, custom built dream home in no time at all!

1. Get Pre-approved.

We can refer you to an approved lender, help you find land and help with estimates for utilities to facilitate your getting pre-qualified for a fixed rate custom construction loan with a free lock insurance of interest rate. Many people who own homes presently can qualify to start building, even before you sell your present home, making it possible to move just once!

Preferred Lender Contact Phone
Vince Thomas & Co Vince Thomas 425- 359-2287
Washington Federal Ted/Peggy 360- 629-2123
Whidbey Island Bank Rick Olson 360-629-9810


2. Find Land.

Find the land that fits your budget, then, ask and confirm at least the type and bedroom rating of septic design (if not on sewer), water and power availability, any mitigation or hook-up fees. Buy land subject to feasibility study and obtaining building permits. When your offer on the land has been accepted, we will be happy to come see the land with you and make recommendations as to choice of floor plan selection and give estimates of excavation and foundation costs prior to your signing up. We have realty agents who we believe to be ethical and knowledgeable about land purchasing and can also help you sell your home and determine its value for you, if desired.

3. Choose a Home

Choose a home that creates value on the land. Does it maximize any view? We recommend 4-bedroom homes on large acreage parcels because of resale value and bedrooms for the kids!

4. Finalize your Plans

Meet a Cozy Home representative to go over the details. Consummate an agreement with Cozy Homes Corporation to build. Take the contract to the lender and make application. We handle basic permitting and plot plans. Then sit back and enjoy watching your home go up and all you have to do is choose your colors.

It is that simple and easy!