Building on your own land combines the personalization of a custom build with the structure and efficiency of our proven process. Our goal is to make the experience rewarding, straightforward, and enjoyable from your first meeting to move-in day. 

1. Personalization: Your land, your vision. Choose from our expertly designed floor plans and personalize your layout, finishes, and features to match your lifestyle. 

2. Maximized Land Use: We’ll help you maximize your property’s natural features making sure your home fits beautifully into the setting and enhances the character of the land. 

3. Streamlined Process: From permitting to construction, our experienced team manages the details so you can focus on design decisions and the excitement of your new home. 

4. Efficiency and Expertise: Our years of experience and strong local partnerships allow us to simplify your path to homeownership, saving you time, energy, and unexpected costs.

Before you buy land for your new home, there are several important details to evaluate:

• Size of the Land: Make sure the property is large enough to accommodate your desired home design, outdoor spaces, and any future additions you may want.
  
• Financial Blueprint: Review your overall budget including the cost of the land, construction, and site preparation. Keep in mind that land prices can vary significantly depending on location and terrain.
  
• Land Features and Challenges: Assess natural elements like slope, soil type, vegetation, and drainage, as these can influence construction requirements and costs. 
  
• Access to Utilities: Confirm that essential utilities such as water, sewer or septic, electricity, and gas are available or easily accessible from your site.
  
• Proximity to Neighbors: Consider how close or far the property is from neighboring homes. This can impact privacy, noise levels, and your overall sense of community. 
  
• City or County Requirements: Research local regulations and building codes that could affect your home’s design, placement, or construction timeline. 
  
• Zoning: Verify that the land is zoned for residential use and supports the type of home and any additional features you plan to include.
  
• Easements: Identify any easements or rights of way on the property that could limit where your home can be placed or how the land can be used. 
  
• Flood Plains: Check if the property lies within a flood plain, as this can affect your foundation design, insurance requirements, and long-term safety. 
  

Your land offers endless potential to design spaces that fit your lifestyle and interests. Whether you’re dreaming of wide-open functionality, peaceful retreats, or spaces for work and play, these popular additions can help you make the most of your property: 

• Machine Shed: Keep tools, equipment, and outdoor gear neatly stored and protected. 

• Stables / Riding Arena: A perfect choice for those who love caring for and riding horses. 

• Swimming Pool: Enjoy resort-style living right at home with a private pool for relaxation and recreation. 

• Carriage or Guest Home: Add comfortable accommodations for visitors or create a private suite for family members. 

• Horses or Livestock: Incorporate facilities designed for your animals’ comfort and care. 

• Pond: Enhance the beauty and serenity of your property with a scenic water feature. 

• Gated Entrance: Add security and a distinguished first impression to your home.

Building on private property comes with required approvals, but you don’t have to manage them alone. With Comerio Homes of Northwest Arkansas, our team handles permits, zoning clearances, and site-specific requirements, working directly with local jurisdictions to keep your project compliant and on schedule.

Establishing a clear budget early on helps set the tone for a smooth and successful build. Here’s how to plan effectively and stay financially confident throughout your project: 

1. Assess Your Finances: Review your savings, income, and loan options to understand how much you can comfortably invest.

2. Set Your Priorities: Identify must-have features and areas where you’re open to flexibility. Consider home size, design details, and upgrades when allocating your budget.

3. Include a Contingency Fund: Set aside around 10% of your total budget for unexpected costs that may arise during construction.

4. Plan for Long-Term Expenses: Factor in long-term expenses such as taxes, insurance, utilities, and routine maintenance to keep your budget sustainable.

Our Build on Your Land process gives homeowners clarity and confidence before construction begins. As experienced custom home builders in Northwest Arkansas, we follow a structured, step-by-step approach that minimizes surprises and supports smart decision-making.

Step 1 – SELECT YOUR LAND

Step 2 – REVIEW FEATURES OF THE LAND

• Discuss specific features of the land (size, site prep needed, positioning of home)
• Discuss length of driveway / available utilities / sewer or septic system
  

Step 3 – PICK A FLOOR PLAN

• Select a floor plan from Comerio Homes of Northwest Arkansas website
  

Step 4 – CUSTOMIZE YOUR HOME

• Review buyer specific options & upgrade to include in your new home
  

Step 5 – DISCUSS FINANCING

• Construction to perm loan is required to build on buyer’s land (refer to preferred lender list)
  (This is due to buyers having title to the land in their name)
  

Step 6 – PROJECT FEASIBILITY

• Execute project feasibility agreement
• Non-refundable fee is due to retain Comerio Homes of Northwest Arkansas due diligence services
• Buyers must own the land or have the land under contract before any due diligence can be performed.
  

Step 7 – DUE DILIGENCE
After the feasibility agreement is signed  Comerio Homes of Northwest Arkansas will review the following Items:

• City / jurisdiction (restrictions, permitting, codes)
• Review zoning
• Review the size of the property
• Review setback restrictions & easements (when information is provided by a title search)
• Review POA requirements (if applicable)
• Review the desired positioning of home on land (if possible)
• Site visit to land by Comerio Homes rep (if land is walkable or accessible)
• Provide estimate or allowance for plot plan survey (survey not included)
• Provide estimate or allowance for percolation test (required for septic system quote, test not included)
• Provide estimate or allowance for septic system install
• Provide estimate or allowance for site prep (clearing trees, brush, culvert install, etc.)
• Provide estimate or allowance for driveway length & utility connections
  

Step 8 – REVIEW PRICING
– PRICING

• Allowances to build your home (only if buyer selected a Comerio Homes of Northwest Arkansas floor plan, if buyer provided a floor plan additional estimating will apply)
  

Step 9 – SIGN NEW HOME SALE CONTRACT

• CONTRACT PREPARATION (Contracts will be provided prior to meeting for review)

DO I NEED TO OWN THE LAND?
YES. You must own the land before we can begin construction. However, if you’re still in the due diligence stage or have the land under contract, we can meet with you and start reviewing your site details before closing.

DOES COMERIO HOMES OF NORTHWEST ARKANSAS SELL LAND?
We don’t currently offer large tracts of land for purchase. If you’re searching for property to build on, we can connect you with trusted real estate partners who specialize in land acquisition and can help you find the right location

CAN I FINANCE MY LAND INTO MY CONSTRUCTION LOAN?
Yes, many homeowners choose to finance their land and home together through a single construction-to-permanent loan. Timing is key, so we’ll work closely with you and your lender to ensure your floor plan and pricing are finalized before closing.

CAN I COUNT LAND EQUITY TOWARDS MY MORTGAGE DOWN PAYMENT? 
Yes. Most lenders will use your existing land equity to cover part or all of your required mortgage down payment, reducing your upfront costs. 

WHAT IS A CONSTRUCTION TO PERM LOAN AND WHY DO I NEED IT?
Traditional new home construction often involves two separate loans: one for the builder during construction and another for the buyer at closing. A construction-to-permanent loan combines both into a single process, converting to your long-term mortgage once the home is complete. Because you already own the land, this type of loan ensures that financing flows smoothly between you, the builder, and the lender. Once construction begins, payments are handled directly between Comerio Homes and your lender, no extra steps required from you.

WILL I BE REQUIRED TO MAKE MONTHLY PAYMENTS DURING CONSTRUCTION?
No. Your construction loan typically includes the cost of building your home, and any monthly interest payments are managed through your lender. You won’t need to make separate payments while construction is in progress.

DO I NEED TO PURCHASE FLOOR PLANS?
No, there’s no need to buy plans separately. You can select from our professionally designed Comerio Homes of Northwest Arkansas floor plans and personalize them with features that match your lifestyle and preferences.

CAN I BRING MY OWN FLOOR PLANS?
Yes. You’re welcome to bring your own plans. Keep in mind that additional work may be required to prepare them for pricing and permitting especially if they were purchased online and lack engineering details. Our team can review your plans and help you get them ready for construction.

DOES COMERIO HOMES PROVIDE DUE DILIGENCE SERVICES TO REVIEW YOUR LAND?
Yes, we do. Our team conducts a full due diligence review through a Project Feasibility Agreement. This includes evaluating zoning, restrictions, site conditions, and other factors to ensure your project moves forward efficiently and compliantly.

HOW MUCH DEPOSIT IS REQUIRED TO START DUE DILIGENCE OF YOUR LAND?
A $5,000 minimum deposit is required to start the due diligence process. This investment secures our services and allows us to begin the necessary research and evaluations for your project.