Libby Hernandez

Incorporating Natural Materials into Your Custom Home

Posted on April 16, 2023 by - Designing your home

Our Bristol home design featuring natural materials

As the world becomes increasingly modernized, homeowners are turning to incorporate natural materials into their homes to add a touch of warmth and natural beauty. From wood and stone to earthy tones and textures, natural materials are a timeless and sustainable option for designing a custom home that is both aesthetically pleasing and environmentally conscious.

Incorporating these materials into your home can create a welcoming environment, while also providing benefits such as increased energy efficiency and improved indoor air quality.

Whether you are building a new home or renovating an existing one, integrating natural materials into the design can add character and personality, while also contributing to the overall functionality of your space.

At G.J. Gardner Homes, we understand the importance of natural materials in home design and can help you create a custom home that perfectly blends modern and natural elements. Our experienced team can guide you through the design process and help you choose the perfect materials for your unique vision.

Natural material-led interior design

Natural material interior design is all about bringing the outside world indoors by incorporating elements from nature into a living space. This design style emphasizes the use of natural materials, such as wood, stone, metal, and plant life, to create a harmonious and organic atmosphere.

The focus is on creating a connection to the natural world, with an emphasis on simplicity and sustainability. The use of natural materials in interior design has become increasingly popular in recent years. People have become more environmentally conscious and seek to create a peaceful and relaxing environment within their homes.

How to build a house with natural materials

Using natural materials not only adds a unique aesthetic to your home but also has numerous benefits. With such an array of materials available, there are several ways in which you can incorporate natural materials into your custom home.

  1. Wood: Incorporating wood elements into your custom home can create a warm and inviting atmosphere. From wood flooring and ceiling beams to wood-paneled walls and cabinets, wood can add texture and depth to any room.
  2. Stone: Using natural stone materials, such as granite or marble, can add a touch of elegance and sophistication to your custom home. Stone can be used for countertops, flooring, and even accent walls.
  3. Metal: Incorporating metal elements, such as wrought iron, copper, or brass, can add a rustic or industrial feel to your custom home. Metal can be used for light fixtures, stair railings, and decorative accents.
  4. Natural fabrics: Adding natural fabrics, such as linen, wool, or cotton, can create a cozy and comfortable environment in your custom home. Natural fabrics can be used for upholstery, window treatments, and bedding.
  5. Plants: Bringing the outdoors inside with live plants is an easy and cost-effective way to incorporate natural elements into your custom home. Plants not only add visual interest and texture but also improve air quality and create a sense of calm and relaxation.

Benefits of natural materials in the home

Incorporating natural materials into your custom home can offer a range of benefits. First and foremost, natural materials have a unique texture and aesthetic that creates a warm and inviting atmosphere.

They can bring a sense of calmness and serenity to your home, helping to create a comfortable and peaceful environment. Additionally, natural materials are often more durable and longer-lasting than synthetic materials, making them a smart investment in the long run.

Using natural materials can also be an eco-friendly choice, as they are often sustainable and biodegradable. Many natural materials, such as wood and stone, have a timeless quality that can add value to your home and increase its resale value. Natural materials are also incredibly versatile, as they can be used in a variety of ways throughout your home, from flooring and countertops to furniture and decor.

Our Riverview home design making use of timber panels and shelves.

Costs involved with natural materials

Incorporating natural materials into your custom home design doesn’t necessarily have to be more expensive. While some natural materials such as exotic woods or custom stone can come at a premium cost, there are plenty of options that won’t break the bank.

Materials like bamboo flooring, reclaimed wood, and recycled glass countertops are not only cost-effective but also eco-friendly. Using natural materials can also save you money in the long run as they tend to be more durable and require less maintenance.

It’s all about finding a balance between the materials you want to incorporate and your budget. Working with an experienced builder like G.J. Gardner Homes can help you find the perfect balance and create a custom home design that incorporates natural materials within your budget.

Natural materials and custom homebuilders

When it comes to incorporating natural materials into your custom home, choosing a custom home builder is the best option. A custom home builder has the experience and expertise needed to seamlessly integrate natural materials into the design and construction of your home.

Custom home builders can provide valuable advice on the types of natural materials that would work best for your specific needs and budget. They also have access to high-quality natural materials and know how to source them ethically and sustainably.

Furthermore, custom home builders can work with you to create a unique design that complements the natural materials you choose, ensuring that every detail is carefully considered and executed to perfection. This level of customization is not possible with a pre-built home or a standard builder.

Working with a custom home builder to incorporate natural materials into your home ensures that you will get a unique and personalized home that is not only beautiful but also functional and sustainable.

Get in touch

From wood and stone to cork and bamboo, the possibilities are endless when it comes to using natural materials in your home. At G.J. Gardner Homes, we understand the importance of creating a custom home that reflects your style and values. Our team of experts can help you design and build a home that incorporates natural materials in a way that’s both practical and beautiful. So, if you’re ready to start your custom home journey, don’t hesitate to reach out to our friendly team today.

How to Choose the Right Custom Home Builder.

Posted on April 16, 2023 by - Planning your build

Man building a home

When building a custom home, choosing the right builder is crucial to ensuring your dream home becomes a reality. With so many options to choose from, it can be overwhelming to know where to start. In this 4-minute read, we are showing you how to choose the right builder.

The right home builder

Choosing the right builder for your custom home is a critical decision. First, Find a builder who has experience building custom homes. This is an obvious statement but we have seen builders make promises they cannot keep. This costs the home buyer a fortune and can sometimes be irreversible. The right builder can make all the difference in ensuring your dream home becomes a reality.

An experienced builder often offers expert guidance, reducing mistakes and costs.

How to choose a custom home builder

To ensure your custom home project is successful, choose the right builder that brings your vision to life. This involves taking a considered approach, here’s what we’ve identified as the key traits of the right builder.

Determine your needs and priorities:

The first step in choosing the right builder for your custom home is determining your needs and priorities. You should start by considering the features you want in your home, your budget, and your timeline. Set a baseline for all your needs and choose a builder based on your personal needs.

Research and compare builders:

Once you have a good idea of what you need and want in your home, you can start researching builders. Look for builders who specialize in custom homes and have experience building homes similar to what you are looking for. Read reviews and testimonials from previous clients and ask for references. You should also compare quotes and ask for a detailed breakdown of costs to ensure you are getting the best value for your money.

Check credentials and reputation:

Before you hire a builder, you should check their credentials and reputation. Make sure they have the correct licenses and insurance to operate in your area. Also, check out their reviews and reports with local industry organizations and regulatory bodies. You should also check their online presence and social media accounts, you can tell a lot from their social presence.

Communication and collaboration:

Effective communication and collaboration are essential for a successful custom home build. You should look for a builder who is responsive, transparent, and willing to work with you throughout the entire process. The right builder should be able to listen to your needs and concerns, offer constructive feedback and suggestions, and keep you informed about the progress of your build. Clear communication and collaboration can help ensure your project stays on track and that you are satisfied with the final product.

Why G.J.?

If you have read this far I’m sure you have answers to your questions and more questions to the answers you have. Like “Should I go with G.J.?” I would be lying if I told you I didn’t think we were the best for the job. 

We have built homes for over 4 decades in the U.S. and Australia, so we know a thing or two. We have refined our design-build process and tailor it to each and every customer.

All this being said what’s in it for you? Little to no stress because our process is foolproof. Complete transparency means 24/7 communication between us and the general contractors on the builds. With local expertise and international class, you will receive a new home consultant who lives and knows your future build area while receiving world-class designing, building, and overall experience.

standard plan

Get in touch

Choosing the right builder can make all the difference in the success of your project, and we at G.J. Gardner Homes are committed to providing the best possible experience for our clients. Because of this, we are the right choice for anyone looking to build a custom home. If you want to start your project with our team contact us here.

Why is Credit Score Important & What Can Affect it?

Posted on April 16, 2023 by - Planning your build

A contract being handed from one person to another

One factor that directly impacts the home-buying process in the United States is credit scores. Whether you’re a first-time homebuyer or an experienced real estate investor, your credit score plays a crucial role in determining your ability to secure a mortgage and purchase the home of your dreams.

At G.J. Gardner Homes, we understand that navigating the complex world of credit scores and home buying can be overwhelming, and that’s why we’re here to help. By having a solid understanding of what you need to know about credit scores when it comes to purchasing a home, you’re better equipped to make this major purchase. So, whether you’re planning to buy a home in the near future or simply curious about the importance of credit scores in the home-buying process, we’ve got you covered.

What is a credit score?

When it comes to purchasing a home in the United States, one of the most important factors to consider is your credit score. A credit score is a numerical representation of your creditworthiness, indicating to lenders how likely you are to repay a debt on time. In other words, it is a measure of how reliable you are as a borrower.

In the United States, credit scores typically range from 300 to 850, with the higher the score, the better your creditworthiness. Most lenders consider a credit score of 700 or above good, while a score below 600 is considered poor. However, keep in mind that different lenders may have different criteria for what they consider a “good” credit score.

Does your credit score affect your buying of a home?

Credit scores affect your ability to secure a mortgage. Mortgage lenders use your credit score to determine the interest rate and the loan amount you qualify for. A higher credit score can help you secure a better interest rate and a larger loan amount, while a lower credit score may result in higher interest rates and smaller loan amounts.

Additionally, your credit score may also impact the type of mortgage you qualify for. For example, if you have a lower credit score, you may only qualify for a government-backed loan, such as a Federal Housing Administration (FHA) loan, which typically requires a lower credit score but may come with higher fees and mortgage insurance. On the other hand, if you have a higher credit score, you may qualify for a conventional loan, which typically has lower fees and interest rates but requires a higher credit score.

Overall, your credit score is one of the most crucial parts of the home-buying process in America. It impacts your ability to secure a mortgage, the interest rate and the loan amount you qualify for, and the type of mortgage you can obtain. That’s why it’s essential to maintain a healthy credit score by paying your bills on time, keeping your credit utilization low, and avoiding opening too many new credit accounts.

What affects credit score?

With the right financial habits, you can improve your credit score and increase your chances of securing the home of your dreams. Several factors affect your credit score, and it’s essential to understand them to maintain a healthy credit score. The leading factors include:

  • Payment history is one of the most critical factors that affect your credit score. Your payment history indicates whether you pay your bills on time, and late or missed payments can significantly impact your credit score.
  • Credit utilization is another crucial factor that affects your credit score. Credit utilization refers to the amount of credit you are currently using compared to your total credit limit. High credit utilization can lower your credit score, so it’s important to keep your credit utilization low.
  • Length of credit history is also a factor that affects your credit score. The longer you’ve had credit, the better it is for your credit score as it indicates a more established credit history.
  • Credit mix and new credit inquiries can also impact your credit score. Too many inquiries and new accounts within a short period can lower your credit score, so it’s essential to be mindful of how many credit accounts you’re opening and when. The types of credit accounts you have can also impact your credit score. A healthy credit mix of different types of credit accounts, such as credit cards, loans, and mortgages, can improve your credit score.

In summary, several factors affect your credit score, including payment history, credit utilization, length of credit history, credit mix, and new credit inquiries. By understanding these factors and maintaining good financial habits, you can improve your credit score and increase your chances of securing a mortgage to purchase your dream home.

What credit score is needed to buy a house?

The credit score needed to buy a house varies depending on several factors, such as the type of mortgage and the lender’s requirements. However, in general, most lenders look for a minimum credit score of 620 or higher to qualify for a conventional home loan.

Keep in mind that a credit score of 620 is the minimum requirement, and having a higher credit score can increase your chances of securing a mortgage with better terms and interest rates. For example, a credit score of 700 or above is typically considered good and can help you qualify for a lower interest rate and a larger loan amount.

If you have a lower credit score, you may still be able to qualify for a mortgage, but you may need to explore other options, such as government-backed loans. For example, an FHA loan may be an option for borrowers with a credit score as low as 500, but it requires a larger down payment and comes with higher fees and mortgage insurance.

Ultimately, the credit score needed to buy a house depends on several factors, and it’s essential to consult with a lender to determine your options. However, regardless of your credit score, it’s important to maintain good financial habits, such as paying your bills on time and keeping your credit utilization low, to improve your credit score and increase your chances of securing a mortgage with favorable terms.

What affects credit score the most?

Payment history is the factor that affects your credit score the most, as it makes up around 35% of your credit score. Late or missed payments can have a significant impact on your credit score and can stay on your credit report for up to seven years.

Credit utilization is another crucial factor that affects credit score, as it makes up around 30% of your credit score. Keeping your credit utilization low, ideally below 30%, is essential to maintain a healthy credit score.

To keep a healthy credit score, it’s important to pay your bills on time, keep your credit utilization low, maintain a good mix of credit accounts, and avoid opening too many new credit accounts at once. You can also monitor your credit score regularly and dispute any errors on your credit report. By practicing these habits consistently, you can maintain a healthy credit score and increase your chances of securing a mortgage to buy your dream home.

Get in touch

If you’re considering buying a home and want to learn more about your options and how to improve your credit score, don’t hesitate to get in touch with our friendly team at G.J. Gardner Homes. We’re here to help you navigate the homebuying process and make your dream home a reality. Contact us today to schedule a consultation and take the first step towards homeownership.

10 Reasons for Building a Custom Home

Posted on April 16, 2023 by - Designing your home

Couple embraces in their new home

Are you considering buying a new home and wondering whether to build or buy an existing property? At G.J. Gardner Homes, we believe that building a custom home is the right choice for many homeowners, and we’re here to share 10 reasons why.

From design flexibility to energy efficiency, building a custom home allows you to create a living space that perfectly fits your lifestyle and needs. With our team of experienced builders and designers, we work with you every step of the way to ensure your new home is everything you’ve envisioned and more.

Whether you’re a first-time homebuyer or looking to upgrade to a larger home, building a custom home is an exciting and rewarding experience.

Why build a custom home?

A custom home is a type of home that is designed and built to the exact specifications of the homeowner. Unlike traditional homes, which have a predetermined floor plan and design, a custom home offers complete flexibility, allowing homeowners to create a living space that perfectly fits their unique needs.

Custom homes are becoming increasingly popular because they offer many benefits over traditional homes. They allow homeowners to have full control over the design and layout of their homes, which ensures that every aspect of the home is tailored to their specific needs and tastes. With all these advantages and more, it’s no wonder that custom homes are becoming a popular choice for homeowners who want a truly unique and personalized living space.

Benefits of building a custom home

From greater flexibility in design to greater control over the building process, there are plenty of benefits to building a custom home. For G.J. Gardner Homes and our approach to home building, custom homes offer a unique home-building journey that is guaranteed to achieve your dream home.

Here are our top 10 reasons why building a custom home is the right choice.

1. Extensive selection of customizable home designs to choose from: G.J. Gardner Homes offers a wide range of customizable home designs to suit different needs and preferences. Whether you’re looking for a small, cozy home or a large, luxurious mansion, there’s a design that can be tailored to your liking.

2. Experienced and knowledgeable builders and designers to guide you through the process: The builders and designers at G.J. Gardner Homes have extensive experience and knowledge in the construction industry. They are well-equipped to guide you through every step of the process, from selecting the design and choosing the materials to finalizing the finishing touches.

3. Use high-quality materials and fixtures to ensure a durable and long-lasting home: G.J. Gardner Homes uses only the highest quality materials and fixtures to ensure that every home is built to last. This means that homeowners can expect a sturdy and durable home that can withstand the test of time.

4. Ability to modify existing designs or create a completely custom design from scratch: G.J. Gardner Homes offers the flexibility to modify existing designs or create a completely custom design from scratch. This allows homeowners to have full control over the design and layout of their homes.

5. Flexible floor plans that can be adjusted to meet your needs and preferences: G.J. Gardner Homes offers flexible floor plans that can be adjusted to meet the unique needs and preferences of each homeowner. This ensures that every home is tailored to the specific lifestyle of the homeowner.

6. Access to a network of trusted suppliers and contractors: G.J. Gardner Homes has a vast network of trusted suppliers and contractors. This ensures that the materials and labor used in the construction of your home are of the highest quality.

7. Energy-efficient building practices to reduce your carbon footprint and save on energy bills: G.J. Gardner Homes uses energy-efficient building practices to reduce your carbon footprint and save on energy bills. This includes the use of insulation, double-glazed windows, and energy-efficient appliances.

8. Ability to incorporate the latest smart home technologies for added convenience and efficiency: G.J. Gardner Homes offers the ability to incorporate the latest smart home technologies for added convenience and efficiency. This includes features such as automated lighting, temperature control, and security systems.

9. A collaborative approach that involves the homeowner in the decision-making process: G.J. Gardner Homes takes a collaborative approach to build custom homes, involving the homeowner in every step of the decision-making process. This ensures that the final product is precisely what the homeowner envisioned.

10. Comprehensive warranty and after-sales service to ensure your complete satisfaction with your new home: G.J. Gardner Homes offers a comprehensive warranty and after-sales service to ensure your complete satisfaction with your new home. This gives homeowners peace of mind, knowing that any issues or concerns will be addressed in a timely and efficient manner.

Building a custom home can be a wise investment for those who are willing to put in the time and effort to create a home that truly meets their needs. With the help of an experienced builder like G.J. Gardner Homes, you can navigate the process with confidence and create the home of your dreams.

Is building a custom home worth it?

Building a home is a major investment, both in terms of time and money. It’s natural to wonder if customizing is worth the effort and expense, especially when there are so many existing homes on the market. However, there are many factors that make building a custom home well worth the investment.

One of the biggest benefits of building a custom home is the ability to create a home that suits you and your family. From the layout of the rooms to the finishes and features, every aspect of the home can be tailored to you. This means you won’t have to compromise on important features or settle for a home that doesn’t quite meet your needs.

Long-term, a custom home also has the potential for increased home value. A well-designed and well-built custom home can retain its value better than a standard spec home or an older existing home. This can be especially important if you plan to sell the home in the future.

Get in touch

Building a custom home is a unique and exciting experience that offers numerous benefits. From personalized design to high-quality construction, building a custom home can provide a level of satisfaction that can’t be matched by buying an existing home. If you’re considering building a custom home, G.J. Gardner Homes can help.

Our experienced team of professionals can guide you through the process and create a home that truly meets your needs and reflects your style. Contact us today to learn more about how we can help you build the custom home of your dreams.

Designing a Custom Home on a Tight Budget

Posted on March 21, 2023 by - Designing your home

Custom homes allow buyers to completely personalize their future homes, with every detail being handpicked. But how do you achieve the unrivaled experience of a custom home without a lavish budget?

A home is usually the most significant purchase an American can make. Still, many of us are building on a budget. The overall cost of designing and building a custom home can vary dramatically. Design choices will have you either saving or splurging.

G.J. Gardner Homes’ customization capabilities offer home buyers the unique opportunity to not just make sure the home reflects their preferences but the price tag does as well. Our clients are empowered to design according to their budget through our wide range of custom fixtures, plans, and details.

What is the cost of building a custom home?

One of the significant benefits of custom home builds is total flexibility, which extends to everything from colorways to costs. The final figure will drastically vary regarding the average cost of building a custom home. A standard 1,200-square-foot home can cost anywhere from $140,000 to $700,000, with Forbes’ most recent home building study claiming an average of $300,000.

This final cost depends on many factors, like labor and land, but when it comes to materials and design features, it’s up to you to name your price through your choices. We have another blog post discussing custom home pricing in more detail, which may help.

The cost of a custom home is an excellent investment you can make in your living arrangements by perfectly personalizing the space to your lifestyle. With a custom home design, you avoid excess costs in the future by starting out with the ideal floor plan, size, and style for your taste. G.J. Gardner Homes offer the ease of fixed prices that are decided by your customization choices before we even break land.

The process of designing a custom home

With decades of building experience, G.J. Gardner Homes has developed a unique approach to custom builds. When working with your local G.J. team, you are supported by unparalleled home building and design expertise, as well as our masterfully crafted home plans. Homes are universal, so G.J. Gardner Homes don’t seek to reinvent the wheel through our processes and make our clients carry the costs. Instead, we draw on our famed frameworks and patterns and adapt them to match your brief.

For new home builders, you can decide how custom you want your home to be. You’re free to choose from G.J. Gardner Homes’ existing home plans, make changes and tweaks to the original design, or go straight to the drawing board and start anew. When making edits to an existing house plan, you avoid overspending on consultation fees for draftspeople, building designers, and potentially architects.

By building custom with G.J., you can still design a home that’s individualized and in line with your preferences without overspending on the architects’ and designers’ fully bespoke home costs. Our custom home design process wants to make your money work harder and lets you invest in features that will make a real difference to your family rather than fees.

How to design a custom home on a budget

So, if you’re designing on a tight budget, here are a few of our custom home-building mistakes to avoid to keep you under budget.

1. Strategically Splurge

Home designs shouldn’t be a matter of all or nothing. In fact, strategic splurging is the best way to get the most out of your money long term. This involves spending big on specific areas to make the most difference in your daily life. Ultimately, skimping on the most crucial home elements will have you paying even more, to replace damages or wear and tear. Where to spend more will depend on your lifestyle, from the kitchen floor to the bathroom fixtures. In turn, elements of your home that are likely to receive less use daily are the best places to save.

2. Home Plan: Stories, Shape, and Size

Size and shape are some of the most deciding factors regarding home budgets. Of course, bigger homes over multiple stories demand more materials to complete and more specialist constructors. These requirements naturally end up costing more.

Tight budgets don’t demand tiny homes but require effective use of space. Building a home that matches your lifestyle without excess spaces that’ll go unused can be a great design choice for those on small budgets. G.J. Gardner Homes’ small home plans prove that square footage doesn’t decide how spacious your home feels.

Regarding stories, keeping your home on one level is often more affordable than extending it to a second. Even if the house ends up being the duplicate square footage, building a home that’s one story tends to be kinder on tight budgets. A single-story home is simpler to build and requires less expertise to build the structure.

3. Materials

One of the most effective areas to save when designing a custom home on a tight budget is the materials you use. G.J. Gardner Homes offer our clients plenty of choices regarding the materials for your home, working with a diverse range of suppliers.

Some of the best materials for custom homes on a budget include:

  • Concrete sheets
  • Reclaimed wood
  • Metals
  • Stone veneer
  • Bamboo

Our G.J. Gardner Homes designers can work with you and your budget to find the perfect solution for your home so you can stay within budget.

4. Location and Land

The cost of living differs from coastline to coastline, so the location will majorly contribute to the final price of your custom home. Not only will certain cities demand higher spending than others, but where you choose to build in that city will also affect the labor costs. Finding a block with easy access for building can majorly impact the prices as well.

Although this is a step in the initial planning stages, where and what type of land you choose to build on significantly impacts the final costs. Considering the impact location and land choice can have let you allocate more to the design features and avoids excess spending on making an unfit plot work.

The process of a knockdown rebuild: Build a custom home in your beloved neighborhood

Posted on March 21, 2023 by - Designing your home

Due to the current circumstances of the housing market, buying a new home usually comes at the cost of relocating to a new community. For many of us, where we live has decided our routines, local haunts, and lifestyle, and it can be a challenge to say goodbye to these major tenets of our lives. However, with a knockdown rebuild, you still get to reap the luxuries that come with a new build without restarting in a new area.

Knockdown rebuilds, or teardown rebuilds, involve the demolition of a home to rebuild a new one. The process keeps your existing slate of land but designs and builds an updated house from scratch. This journey lets you create a home designed for you and your lifestyle. It’s the ideal situation: all the excitement and benefits of buying a new home without the inconvenience and costs of selling and moving.

If you’ve outgrown your current home and need an upgrade, a knock rebuild might be the perfect solution. With G.J. Gardner Homes’ custom homes, we can design a new home that’s been personalized to suit your existing land but still meets your needs. Discover the process for a knockdown rebuild today.

Where to start with a knockdown rebuild

Before kicking off your knockdown rebuild project, there’s some initial research and reflection that needs to be done to ensure this is a viable option for you and your family. While you may have no issue knocking down your current home, local zoning laws and regulations may limit or prohibit the demolition of homes in certain areas. This could be due to heritage protection or land issues which make this process unavailable to you. You should start by researching your local municipal and state laws.

Moreover, building a custom home is an investment of your finances, time, and energy, so it’s essential to ensure this land and current location are suitable. We recommend land and soil testing and risk assessment to guarantee your current home area is the prime spot for you to begin this new home journey.

The process of a knockdown rebuild

Designing a knockdown rebuild home involves several steps to ensure the new home meets your needs and desires. Here are the four main steps involved in designing a knockdown rebuild home:

Determine Your Needs and Wants: The first step in designing your knockdown rebuild home is determining your needs and wants. Consider the house size, the number of bedrooms and bathrooms, the layout of living areas, and any special features you want to include. You should look to the future and consider what your preferences will be in the decades to come as well. With G.J. Gardner Homes, we want our homes to adapt and grow as you do so they can stay high-performing long-term.

Start Designing: Once you have a clear understanding of your needs and wants, our G.J. Gardner Homes design team can help you begin planning your dream home. Through decades of design expertise and knowledge of local regulations and building codes, our G.J. Gardner Homes team works alongside you to turn your dream home into a reality. This includes creating floorplans and elevations and deciding on your home’s style.

standard plan

Choose Your Materials and Finishes: After the initial design, you can choose your materials and finish adding your touch to this home. This includes selecting materials for the flooring, walls, roofing, and other structural elements, as well as finishes for fixtures such as cabinets, countertops, and appliances.

Start Demolition and Construction: Before your new home begins, demolitionists must deconstruct the existing home and clear the land. This process tends to be brief and only takes a couple of weeks. Once the knockdown is complete, the rebuild can finally begin.

Once construction is finished, you can return to your beloved block and experience your brand-new home for the first time.

House is demolished

What is the difference between a knockdown rebuild and a house and land package?

A knockdown rebuild home is more straightforward than it may seem. With other home purchases, you’ll dedicate most of your time at the start of the journey to scoping and purchasing a plot of land or house. Instead, with a knockdown rebuild, that time goes to tearing down and clearing your existing home. Once started, the demolition of a home tends to be a quick process and doesn’t rely so much on factors outside your control as land or house purchases do.

Get in touch

If a knockdown rebuild sounds like the perfect solution for you and your family, contact your local G.J. Gardner Homes office today to start the journey. With decades of home-building experience and offices across the country, we’re well-versed in dealing with the unique circumstances of different locations and custom buildings. Contact our friendly team today to learn more.

How to get a home home loan

Posted on March 21, 2023 by - Planning your build

Home buying is one of life’s most celebrated and sought-after milestones. 85% of Americans say home buying is a top priority. From l planning to the contract exchange, buying a home should be an exciting and rewarding experience. Read ahead to learn how to get a home loan.

Initial planning

Before getting in touch with your bank, you should do some initial planning to begin scoping what home you’re looking for and what’s realistic. By considering your financial circumstances, your location, and your lifestyle, you can streamline your home-buying journey and narrow down your goals.

These first steps involve looking at your finances, goals, and the broader market to set feasible expectations. This is your fieldwork. Research what’s on the market and the available bank lenders, finalize your non-negotiables in a property or a location and estimate your mortgage-to-downpayment ratio. By laying the groundwork, you get yourself in the best position to begin engaging banks for pre-approval and working through the market.

What is the pre-approval process for a mortgage?

While you can still shop for homes on the market without it, a pre-approval gives you a clear understanding of your budget and lets you gauge what properties are within reach. Pre-approval is the first step in the mortgage process, where a bank reviews your financial situation. From your savings, employment, and assets to any existing debts and economic history, your bank evaluates whether you’re a reliable borrower.

Given the competitiveness of today’s housing marketing, pre-approval is highly recommended so you can act fast. With pre-approval, you’re given a precise estimate of your borrowing power so you can confidently make offers.

How to get pre-approved for a home loan?

Pre-approval depends on your bank’s criteria, but as an applicant, you can boost your reputation as a prospective borrower. When reviewing your application, your bank must review your finances and decide if you’re a low-risk borrower.

To boost your borrowing power during pre-approval, it’s essential you can show a responsible financial history. Before applying, check in on your financial situation and ensure it communicates to your bank that you’re a safe candidate to lend to. Some main factors to consider include the following:

  • Income
  • Funds and savings
  • Existing debts
  • Employment history
  • Living expenses and existing assets

Home Shopping

Shopping is the most exciting part of this journey for most home buyers. With G.J. Gardner Homes, you can explore a wide range of homes nationwide and experience our superior home designs. At your local office, we can take you through the unique customization process so you can begin employing your design eye and creating your dream home. Learn more about our home designs today.

Mortgage Application: what is the mortgage loan process?

Once you’ve found your home and your offer gets accepted, it’s time to begin your mortgage application. Pre-approval will put you in a better position for this process. However, your bank can still reject your mortgage application even if you have received pre-approval.

The mortgage application process will need you to submit your personal and financial documentation, which includes the following:

  • W-2s (for the last 2 years)
  • Recent pay stubs
  • Complete bank statements for all financial accounts
  • Signed personal and business tax returns
  • A copy of the signed Purchase and Sales Agreement

So, what is the bank looking for when they review this information? Your lender is trying to gain an accurate snapshot of your financial health and ensure you are a responsible and safe borrower. This will be reflected in consistent income, responsible spending habits, and savings. Once lenders have considered these factors, they can determine whether you’re a good investment for their bank and approve or deny your application.

Where does your credit score come in?

Credit scores are influential in mortgage applications as they rate your ability to borrow funds in the past or your: creditworthiness. It’s a calculated representation of your lending capacity and is one of the most influential factors in mortgage applications that can decide everything from loan approval to loan terms.

The higher your credit score, the better your creditworthiness is and the better your chances are at attaining a mortgage loan. A low credit score, under 600, indicates a less reliable borrower.

This number is a form of risk assessment for bank lenders and determines the type of loan you can receive. Applicants with high credit scores are likely approved for lower down payments and interest rates, whereas applicants with low credit scores will probably have to adhere to stricter terms. This could include a much higher downpayment and interest rate so the bank can cover itself in case of repayment issues.

As credit scores ultimately decide loan terms and approval, the home-buying journey starts much earlier than most think. Your mortgage process depends on your financial behavior over the years, and it’s important to work to attain a good credit score in the years leading up to home buying.

How long does the mortgage process take?

On average, the mortgage process in America will take 30 to 45 days. However, the length of time depends on several different factors. These include the bank, the application type, the accuracy of your application, the underwriting process, and the property itself. Complications in the loan process can double the timeline on average to 60 to 90 days.

Underwriting: what is the mortgage underwriting process?

While reviewing your mortgage application, the bank will complete underwriting. This process reviews your financial situation and is a significant mortgage stage component. An underwriter will assess your creditworthiness by reviewing all relevant information and documents you supplied in your application. The outcome of this process will determine whether the loan is approved or denied.

It’s called underwriting because, at one point in history, bankers would write their names under the risk information to approve the loan.

How long is the underwriting process for a mortgage?

The underwriting process represents one stage in the mortgage approval process carried out by lenders. It usually takes around a week to complete on its own, but it will vary from bank to bank. While this is the main stage of mortgage approval, admin and loan terms are also involved, which make up the rest of the waiting time.

What is the process of paying off a mortgage?

The average mortgage pay-off period is 30 years and involves continual monthly repayments. Your monthly repayment will involve the monthly principal (a portion of the loan) and the interest payment. As you progress with the payments, they should decrease over time as the loan balance decreases. This is called amortization. When securing your mortgage, you can decide the repayment period and terms that inform how the experience of paying off your mortgage will be.

Ready to buy?

Buying a home is an investment in your future and is widely considered one of the best decisions you can make. Life as a homeowner offers so many personal and financial advantages that make all this hard work pay off. Start your home-buying journey today and explore G.J. Gardner Homes’ wide range of home designs. Contact us for more information!

Our 5 best kitchen island design tips

Posted on March 21, 2023 by - Designing your home

Kitchens are one of the most used rooms in our homes, with Americans spending upwards of 400 hours a year in this space. With the rise of open-plan living, this hotspot of the house has transformed from once an isolated room into a central hub. Today, kitchens are multi-use spaces, acting as dining, living, and utility rooms. And with the addition of the kitchen island, you provide this space an anchor for everything to revolve around.

From aesthetics to practicality, kitchen islands are a staple to any high-performing and appealing kitchen. Here are our 5 best kitchen island design tips to make the most of this kitchen essential.

Our favorite kitchen island design ideas

When designing your kitchen, G.J. Gardner Homes’ wide range of customization options and homes lets every part of this space reflect your style and taste. As such a central part of the home, everything from details to finishes is an opportunity to increase not just your home’s practicality but its personality. With our design team, your kitchen island can be customized to complement your lifestyle and home goals to ensure it works for you.

Here are a few great ways to adapt this classic kitchen feature to make it align with your taste and needs.

Multi-level Islands: Perfect for families with kids, kitchen islands with multiple levels or varying heights have gained popularity for both their functionality and style when you’re cooking, dining, and entertaining. With multi-levels, you provide depth to your kitchen and dedicated spaces. One level could be at hip height to work as a dining area, while another could be higher to expand your cooking space. The multi-level style lets you embrace the multi-use aspect of your kitchen in an organized and unique way.

Unique Shapes and Sizes:

You can modernize the kitchen island by reinventing its classic shape and opting for the luxury of a circular or hexagonal design. Through a custom design, you offer your kitchen a unique layout. With a circular design, you allow for more effortless movement around the space, which is perfect for smaller kitchens.

A uniquely shaped island that fits the floor plan beautifully.

Built-in Appliances:

Take the load off your main cabinetry set and incorporate some of your kitchen’s core features into the island unit. From cooktops to sinks and wine fridges, built-in appliances let you elevate your kitchen’s offering through effective use of space. This creates a more harmonious and well-connected kitchen for cooking while diversifying your kitchen’s amenities.

Bold Color Choices:

With the kitchen island already such a focal point, bold and vibrant colors like emerald green, navy blue, or even black let it make even more of a statement. Our kitchens tend to stick to a classic neutral color palette, and with a unique kitchen island tone, you add visual interest and contrast. A bold color keeps your kitchen island’s functionality but makes it fun.

A dark island pairs perfectly with this stone countertop!

Seating and Dining:

Keep your family connected by adding seating to this central kitchen unit. Bar-style seating is a great design idea that makes this space more livable and flexible, perfect for eating or working. By designing your kitchen island layout to include a row of bar stools, you can effectively set your kitchen up to act as the home’s central hub.

A kitchen island with space for dining.

How to find your perfect kitchen island

Finding the perfect kitchen island design for your family can be challenging, and G.J. Gardner Homes’ team of expert designers and decades of knowledge are here to help. Want to build a customized home that lets you personalize these crucial details? Contact our friendly team today.

A Guide to Changes to California’s ADU Laws (2023)

Posted on February 19, 2023 by - The building process

Why have the ADU Laws been changed?

Recently, changes were made to Californian ADU laws to incentivize property owners and developers to add these to their existing properties.

The California Legislature found that, among other things, ADUs and JADUs (junior accessory dwelling units) provide additional rental housing in areas that are perfect for single family and multifamily living.

As a result, they have been working to reduce the complexity of the process, encouraging the development of more ADUs to address the region’s evolving housing needs.

Through reducing the legal restrictions on ADUs and streamlining the approval process, homeowners and developers are encouraged to build more ADUs. This has the additional effect of providing more comparatively reasonably priced rentals for the residents of California.

Summary of Changes

The most recent round of changes came from several bills, all in the name of making ADUs more accessible to California residents. Here are some of the key changes for property owners and developers.

AB 345

The amendments to AB 345 have made it possible for ADUs to be sold separately from the home in some cases. Cases include when the ADU was built by a qualified not-for-profit, or is to be held as owner-occupied low-income housing for 45 years.

Note: this doesn’t apply to JADUs.

AB 3182

Amendments to AB 3182 address the approvals process and are designed to make the process more efficient from start to finish.

Primarily, if an ADU or JADU has not been approved by the local agency within 60 days, it will be deemed approved by default. You can now also gain approval for both an ADU and a JADU per lot, rather than needing to select one or the other. It also allows for the leasing or rental of ADUs or JADUs in common interest developments, and ensures 25% of these will be allocated as rentals.

AB 68, AB 881 and SB 13

Amendments to these bills are similarly intended to remove barriers that many people run into when looking to build ADUs.

Changes to these bills are more numerous and include:

  • removing minimum lot sizes for ADU builds,
  • clarifying that ADU requirements can be based on sewerage access, water access and impacts on traffic and public safety,
  • eliminating owner-occupancy requirements,
  • making it impossible for local agencies to enforce a maximum size of less than 850 square feet,
  • allowing converted ADUs (such as renovated garages or carports) to go without replacing on-street parking,
  • reduces the maximum approval wait time from 120 days to 60 days,
  • reduces impact fees,
  • allows JADUs to be constructed within the walls of an existing residence,
  • as well as explicitly clarifying some gray areas that caused confusion to some developers and builders.

AB 587, AB 670 and AB 671

Finally, the changes to the following bills are more related to Health & Safety law that sometimes prohibited the construction of accessory dwelling units.

The amendment to AB 587 creates an exception similar to AB 345, where some ADUs can be sold separately to the original dwelling so long as they adhere to ordinance that specifies the ADU is built by a non-profit for low-income housing.

AB 670 removes restrictions that would’ve unreasonably restricted ADU construction on a lot zoned for single family residential use.

Finally, revisions to AB 671 incentivizes the construction of ADUs for very-low through to moderate level income tenants, as well as pushing California’s HCD to collate resources to better facilitate the construction of these lower income ADUs.

At G.J. Gardner Homes, we’ve got years of experience in building ADUs. If any of the above is unclear, we can help you to work your way through the approvals process, ensuring all is above board and complies to local regulations.

Many areas in California now offer permit ready ADU plans, free for public use. We’ve collated some links below!

Contact us today if you’re interested in building an accessory dwelling unit on your lot.

How To: Maximize Storage in a Custom Home

Posted on February 19, 2023 by - Designing your home

When building a custom home, it’s easy to find yourself totally immersed in the design and style process while selecting your finishes; where you get to realize your dream and customize the home you’ve always wanted . However, there are some equally important but maybe less glamorous aspects to designing your home that should be considered that can have an impact on both how your home meets your needs while adding value to your investment. Namely, ensuring you have adequate storage.

So, how can you maximize your storage capacity? Hear more from the home building experts at G.J. Gardner Homes.

What Will Influence my Home’s Storage Capacity?

There are a few constraints that will have a marked impact on your storage capacity.

Budget

One of the most significant factors to influence a home build, your budget will ultimately determine a lot of the choices you make when designing a custom home. This includes your storage capacity.

Lot Size

It stands to reason that the more square footage you have available to build your custom home within, the more options for storage space you will have. If building on a smaller lot, you may need to get a little more creative!

Living Requirements

Your family size and living requirements will be a factor in overall storage capacity as well. More people often equates to more stuff, so big families may find themselves requiring more designated storage space.

Let’s dive into some recommendations specific to some key areas of the house.

Living Areas

Maximizing your storage space in family and dining rooms can be a big ask. These rooms serve the function of being a place to relax, connect and spend time with loved ones, which doesn’t always leave you with spare space for storage.

Our top living area storage tips:

  1. These rooms are largely multipurpose in nature, which gives you the unique opportunity to design storage in line with how you see yourself using them. For example, for a room with a fireplace centerpiece; consider adding recessed shelving and built-in cabinetry on both sides beside it to display your cherished memories, photographs and achievements, as well as being functional storage.
  2. Consider multi-purpose furniture, such as a storage ottoman. This gives you the best of both worlds!
An example of recessed cabinetry, used to display household decor.

Entryway

We are completely aware of the fact that a home’s front door and entryways often accumulate household stuff – shoes, keys, bags; the list goes on. Instead of tripping over these late at night, we suggest getting a little smarter with your entryway, whether it be the front, back or garage entry.

Our top entryway storage tips:

  1. Where space permits, consider adding a mudroom that can serve as a storage hub. The benefits of having a mudroom stretches beyond just storage, but it’s hard to deny that this is a key part of their appeal. Add coat racks, a cabinet for shoes and a bench with underseat storage, all neatly tucked away in a separate room.
  2. Where a mudroom is not possible, a wall-mounted rack for shoes, coats and hats along with a storage bench can keep things off the floor and out of the way.

Bedrooms, offices and flex spaces

Well-considered bedrooms, office and flex spaces are absolutely key to having enough storage in a custom home. This is especially true for growing families as children inevitably grow up and require more storage space with time. While furniture will be a huge factor here, your custom home build should also be considerate of growing storage needs!

Our top bedroom, office and flex room storage tips:

  1. Lean on your inbuilt closets as your main storage space. They won’t take up valuable floor space which comes at a premium in a bedroom.
  2. If you have the room, a walk in closet will provide you with more space than any other option.
  3. If you’re still struggling, under-bed storage and other furniture with built-in storage could help you out of a tight spot!

Kitchen

The kitchen can be famously hard to maintain control over. Counter space often ends up in high demand once dinner prep has started, you‘ve added some new appliances and you’ve just prepared an afternoon snack for the kids.

Our top kitchen storage tips:

  1. Consider adding a butler’s pantry to your kitchen. A butler’s pantry is a walk-in pantry or recessed serving area which often includes additional bench space, the less-used kitchen appliances and can even include additional sinks. This additional space maximizes kitchen storage and allows your main kitchen to be a tidy communal space.
  2. Think creatively about whether you can use overhead storage. Whether this is through floor-to-ceiling cabinetry or through hanging pots and pans above you, it’s possible to take advantage of free space above you in this way.
Some well-considered overhead kitchen storage solutions.

Garage

Perhaps the worst candidate for attracting clutter, your garage can actually be a storage lifesaver if designed well. Key to this is the fact that garages are generally larger in size when compared to other internal rooms of the house, allowing you to stretch your space further in your custom build.

Our top garage storage tips:

  1. Make use of heavy-duty shelving that can be installed around the perimeter. With heavy-duty shelves you can store pretty much anything, you’re just limited by size rather than weight or aesthetics.
  2. Consider the height of your ceiling and whether that will be a missed opportunity. Detached garages or sheds may give you more scope to go upwards, with custom shelving that reaches up to the ceiling.
  3. Garages are extremely versatile spaces. If you have a double garage, consider moving one of your cars elsewhere to really maximize the free space inside!

With a custom home, the possibilities are endless. G.J. Gardner’s experience in custom home building and smart storage solutions gives us unique insight into how exciting and rewarding an experience they can be! Contact us today to hear more about our custom home expertise, and how we can help you to realize your dream home.