How Build On Your Lot Works
Five simple steps from lot to living room.
Tell Us About Your Lot
Fill out the form below with your lot details. Include the address, size, and your ownership situation. It takes 2 minutes.
Free Site Visit
We'll visit your lot, assess soil, utilities, and setbacks, and let you know exactly what's possible — no cost, no obligation.
Pick Your Plan & Lock Your Price
Choose from our proven floor plans. We'll give you an all-in price that's locked — no change orders, no hidden fees.
We Handle Everything
Permitting, site work, construction, inspections — we manage it all. You'll get real-time updates on your build every step of the way.
Move In
Walk through your brand-new home, get your keys, and start making it yours. Most builds complete in 90–120 days.
Choose Your Floor Plan
Proven designs built for real families. Every plan includes quality finishes standard.
Financing Made Easy
Multiple loan options and down payment assistance programs to get you into your new home.
FHA
Down Payment 3.5%
Popular with first-time buyers. Low down payment, flexible credit requirements, and eligible for down payment assistance programs.
DPA EligibleVA
Down Payment $0
Zero down payment for eligible veterans and active-duty service members. No private mortgage insurance required.
USDA
Down Payment $0
Zero down payment for homes in eligible rural areas. Many locations in Mobile and Baldwin County qualify.
Conventional
Down Payment 3–5%
Traditional financing with competitive rates. Best for buyers with strong credit and savings for a down payment.
DPA EligibleDown Payment Assistance: Up to $10K+
Multiple down payment assistance programs are available for qualified buyers in Mobile and Baldwin County, including the City of Mobile HIP Program. We help you find and apply for every dollar you qualify for.
Check My EligibilityWho This Is For
Build On Your Lot is perfect if any of these sound like you.
- Inherited land — You have family land that's been sitting unused and want to finally build on it.
- Bought a lot — You purchased a lot and need a builder who can deliver on time and on budget.
- Investor — You own lots and want to build spec homes or rentals with a reliable construction partner.
- Found land through an agent — Your realtor found a great lot and you need a builder to bring it to life.
- Government lot incentives — You're taking advantage of city or county lot programs and need an affordable builder.
Frequently Asked Questions
Everything you need to know about building on your lot.
How much does it cost to build on my lot?
Our homes start under $200K depending on the plan and site conditions. We provide a free lot evaluation and firm, all-in pricing before you commit — no hidden fees and no change orders. Your price is locked from day one.
What site work is included?
Our pricing includes standard site preparation, foundation, and utility connections. If your lot requires extra grading, tree removal, or extended utility runs, we'll identify that during the free site visit and provide an upfront quote for any additional work.
Do I need to own the lot already?
Not necessarily. You can own the lot outright, be under contract, or have family land. We'll work with you regardless of your ownership situation. If you're still looking for land, we can point you in the right direction.
Can I customize the floor plan?
We build from a limited set of proven floor plans to keep costs down and quality high. Every home comes with quality finishes standard. While we don't offer full custom builds, talk to us about your needs and we'll find the right plan for you.
How long does it take to build?
Most builds are completed in 90–120 days from breaking ground, depending on plan complexity, weather, and permitting. We use technology to track every build and keep you updated in real time.
What financing options are available?
We work with multiple lenders offering FHA, VA, USDA, and conventional loans. Many of our buyers qualify for down payment assistance programs covering up to $10K or more. We help connect you with the right lender and programs.
What areas do you build in?
We currently build in Mobile County and Baldwin County, Alabama. If your lot is in this area, we'd love to take a look. Not sure if your lot qualifies? Submit it and we'll let you know.
What if my lot has issues (wetlands, flood zone, easements)?
That's exactly what our free site evaluation is for. We'll assess your lot for any potential issues and let you know upfront if and how we can build on it. No pressure, no obligation.
Get Your Free Lot Evaluation
Tell us about your lot and we'll let you know what's possible. No cost, no obligation.
Family Owned
Licensed & Insured
City of Mobile HIP Partner
Equal Housing Opportunity