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Contact our New Home Consultant to answer your questions or schedule an appointment. (301) 832-6426.

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On Your Lot


Welcome

Welcome to the easiest and most efficient way to have a high quality, personalized Caruso home built on the lot of your dreams. Whether your home site is in a planned community or a private country setting, Caruso Homes “On Your Lot” program combines the convenience of ready-made designs with the flexibility to customize your options to create a beautiful home that is uniquely yours. With a reputation spanning over 30 years, Caruso Homes is your builder of choice for a luxury custom home in the Baltimore and Washington DC metropolitan areas.

Where do you want to live?

counties

Counties

Caruso Homes On Your Lot division can build your dream home on many home sites throughout Maryland. Click on the links below to learn more about the counties where we build. Don’t have a lot yet? Use our Property Search Tool to explore by city, county or postal code.

Property Search Tool

Available Home Plans

Search our Available Home Plans and then use the Floor Plan Designer to personalize your home--add rooms, select options and design your dream. We’re happy to assist you in choosing all the details for your new Caruso Home. New home styles are coming soon--contact us for more to choose from!

View Home Plans

On Your Lot Purchasing Process.

Our experienced Sales and Construction team will guide you throughout the entire process to ensure your home is built with Caruso Homes standards of quality craftsmanship you expect and deserve.

Find the Right Lot.

The greatest benefit to building On Your Lot is the flexibility to choose a location exactly where you want to live--want to be near the grand kids, in a specific school district, or prefer something farther in the country--it’s up to you! When searching for the right home site, there are many questions to consider: Is the lot flat or does it have steep grades? Are there a lot of trees to be cleared? Will it be an in-ground or walkout condition? Does it have water and sewer available or will it have a well and septic? Will the home you want to build fit on the lot? We can help you answer these and other questions pertaining to the feasibility of the lot.

Decide on a Home/Floor Plan and Options.

Explore our Available Home Plans to determine the type of homes that suit your needs. Do you want a 1-story or 2-story? How many bedrooms and bathrooms are needed? Create your wish list of options and features and then use our Floor Plan Designer tool to design your ideal home.

Get an Accurate Cost to Build.

A representative from Caruso Homes will determine the placement of the home on the property and identify what site improvements are needed. A cost estimate can then be developed which includes three critical elements: 1) The cost of the lot; 2) The price of the home (Base price + options/upgrades); and 3) The lot finishing (permitting, driveway, utility installation, site clearing, etc.).

Apply for Financing.

Meet with a mortgage consultant to start the financing process. Caruso Homes has relationships with multiple lenders that specialize in construction-to-permanent loans to guarantee that you receive the most competitive terms and conditions. They can even pre-qualify you before you start your home search.

Pre-Construction Meeting.

Before construction begins, you will meet with our construction team to review the plans and selections for your new home. At this meeting you will receive a timeline of the building process, identifying key points in the building cycle.

Construction.

During construction your personal Caruso Homes project manager will be available to address any concerns or questions you may have. Throughout the construction process your home will go through a series of county inspections, as well as our own quality assurance inspections, to ensure that your home is built to the highest standards

Pre-Closing Orientation.

Before going to settlement, you will meet your project manager for a walk-through orientation to demonstrate the operating procedures and quality features of your new home. We will also identify any punch out items that need to be corrected and review our warranty procedure.

Settlement.

Congratulations! It is time to go to final settlement where you will approve the final paperwork and receive the keys to your new home. You will also receive information about our warranty program and service procedures. You are now ready to move into your beautiful, new Caruso Home and start making memories!

Financing Your New Home


In today’s market the majority of Custom Home construction is financed through a construction-to-permanent loan. With flexible terms, highly competitive rates and fast closings, construction loans are the most popular choice for financing your new dream home. Our preferred lenders have a full range of the best financing programs available today and are dedicated to helping our customers enjoy a stress-free financing process. They can even pre-qualify you before you start your home search. To get started, just contact one of our preferred lenders below.
A Construction-to-Permanent mortgage allows you to finance the construction of your new home while it is being built. You will lock in your interest rate and settle on the loan before construction begins. During construction, the bank will make payments or disbursements to the builder at each stage of the building process based on a pre-approved draw schedule and inspections. When the home is completed, the loan will convert to a permanent mortgage and you will begin making regular mortgage payments.
  • Save time and money
  • Construction-to-perm loans combine construction financing and mortgage financing into one loan. With only one closing, you save the time and additional costs of a second closing.
  • Can offer security by including a loan rate protection option “rate lock or float down option.”
  • Allows you to prepay without penalty.
  • You are charged interest only on funds as you use them until the completion of your home then the loan will be refinanced into a permanent loan.
  • Interest paid on construction-to-perm loans while the home is under construction is tax deductible on your current year taxes.
  • Reputable and professional loan officers will be there to guide you through the entire loan process, providing the highest level of support and ensuring all your questions are answered.

Caruso Homes Caruso Homes

Susan Turner

Mortgage Loan Originator

(301) 651-2174

Apply Online

Go to https://turnerr.fnb-online.com/ and click on
BEGIN MORTGAGE PROCESS.

Apply Online

Need more information about
the “On Your Lot” program?

Please Contact:

Sarah Cronk

New Home Consultant

2120 Baldwin Ave, Suite 200

Crofton, MD 21114

Email: scronk@carusohomes.com

Cell: (301) 832-6426

Schedule Appointment


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