Where you live
Our mission is to help take the ordinary living experience and make it extraordinary. That's why with each community that we build, we think about the individual people who will live there just as much as we think about quality, craftsmanship, and beautiful design.
Visit our communities in:
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Mortgage Calculator
Financing Your New HomeWe'll help you determine a budget for your new Woodside home. This simple calculator will give you an estimate for what your monthly mortgage payment could be.
HELPFUL HINTS FOR ESTIMATING YOUR MORTGAGE PAYMENT
Determine a budget range for your home based on your savings and annual gross income. Don't forget to factor in things like upgrades, property taxes, closing costs, and homeowner's insurance.
How much cash can you put down on your home? The more you put down, the lower your mortgage payment will be. Remember: 20% is the standard for a conventional loan and 3.5% is the minimum for FHA loans.
3.77% is the estimated interest rate based on current standards. However, this will be unique to each household based on your personal credit, loan type, down payment, and the economy.
A typical loan is based on a 30-year mortgage. Your mortgage length can be shortened or lengthened by the amount you put down on your home and how much you can afford for a monthly payment.
Look for the mortgage calculator on any of our community pages for convenient calculations as you search. And remember that we have established relationships with mortgage professionals and would be happy to refer you to someone that can answer any questions and provide you with professional guidance.
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Credit Restoration
Create a financial plan to help better your credit scoreUnsure about your ability to qualify for a home loan? We'll help you start your research here.
Pay your bills on time each month. Missing even one payment can lower your credit score.
Pay your balance down to between 30-50% of the total credit amount extended.
Never max out your credit and never go over your credit limit.
Premier Credit Consulting can help with collections, tax liens, or judgements.
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Mortgage Types
Homeownership Can Become a Reality for Anyone
We believe that with the right information, direction, and assistance, homeownership can become more than just a dream. We're here to help you explore all of the mortgage options that match your needs.
Conventional loans are provided by private entities like banks, and are not guaranteed by the government. A standard conventional loan requires a down payment of 20%. These loans can offer either fixed or adjustable interest rates and have a variety of repayment terms available that can be tailored to meet individual needs. This type of loan typically has more outside costs because you can be responsible for things like mortgage insurance, appraisal fees, and origination fees.
FHA stands for Federal Housing Administration, which is the government agency that insures this type of loan. These loans are offered only by FHA-approved lenders. If you don't qualify for a conventional mortgage, this could be a good option for you because this type of loan typically requires a lower down payment and has lesser lending standards when it comes to thinks like your credit score.
When you have a fixed rate mortgage, that means that your interest rate will remain the same throughout the term of the loan. So, you can count on your monthly payment to always be the same. This option offers you more security, but could end up being more expensive.
An adjustable rate mortgage means that your interest rates can go up and down based on a broader index of interest rates. Interest rates for this type of loan will usually start out lower. So, this could be a good option if you only plan on living in your home for a short time. However, after your introductory period they can go up significantly over the term of the loan. When choosing this type of loan be sure to ask if there are limits on how your rates can fluctuate.
This type of loan is offered by the United States Department of Agriculture. To qualify for a USDA loan, you must be purchasing a home in an area with a population of less than 25,000. This loan does not require a down payment, so it is a great option for low and moderate-income households. But, be sure to ask about the maximum income restrictions as part of the qualification process.
Available to individuals who have served or are currently serving in the U.S. armed forces. Households must meet eligibility requirements for this type of loan. But, it does not require a down payment nor a minimum credit score. VA loans are offered by approved lenders and guaranteed by the Veterans' Administration. Closing costs are regulated for the protection of the veteran. VA loans are also assumable with release of liability and there are no penalties for prepayment.
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Purchasing a new home is easier than you think.
Here's a step-by-step guide to achieving your dream.
Designing Your Home
We can help you customize your home's design options so that it feels all yours.
Style by
Visit our Style By Design page to learn more about our unique approach to the design process.
After learning about the design process via Style by Design, visit our Inspiration Gallery to see your ideas come to life at a neighborhood near you!
Finding your style is an adventure and an important first step in designing your new home.
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Building Your Home
We take care of the construction of your home, but you play an important part in the process. Here's how it all works.The beauty of buying a Woodside Home is that you can customize design options so that
your home will reflect your personality and style even on the day that you move in!
You'll start the process by meeting with your sales counselor and construction superintendent
to review your floor plan and options.
Next, after your electrical, plumbing, heating and air-conditioning utilities are installed, you get to see your new home for the first time! Your superintendent will take you on a walkthrough and help you understand the layout before the drywall goes up.
Toward the end of the home-building process, you will have a homeowner orientation, also known as a final walkthrough. This is an opportunity for your superintendent to familiarize you with the many features and functions of your new home and check for any items that require attention.
As soon as your home is completed and ready for occupancy, you will be asked to sign a package of mortgage and escrow documents. After signing, your loan will be funded, and your mortgage and title will be recorded with the county. Then, you will receive the keys to your new home and start living your dream.
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Moving Into Your New Home
Start Living Your Dream
Give Yourself Time
Moving is a huge endeavor, but we tend to forget about that little fact. Make sure you give yourself plenty of time to pack, unpack, and clean in order to reduce stress.
Pack Smart
Use clean garbage bags as garment bags so you can keep clothes on the hangers when you pack them, label and load your boxes by room, wrap your breakables, and don't forget to pack an overnight bag with essentials.
Decultter & Donate
Packing creates the perfect opportunity to streamline your household. Here's a great rule of thumb: if you haven't used something in a year, donate it!
Get Excited
Your move signifies an amazing new chapter in your life! Make sure you live in the happiness of the moment and take time to celebrate.
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Own vs Rent
Low prices and interest rates make homeownership a greater possibility for many today. Going from renting to owning can also result in other great advantages.
You can write off the interest you pay on your mortgage for a first or second home, which can be thousands of dollars.
As you pay off your mortgage you build personal equity. When you rent, you help build equity for the entity that owns the home you live in.
When you own a home, you are free to paint walls, hang curtains, and make any alterations that you want. When you rent, you need to adhere to the restrictions stated on your lease.
Becoming a homeowner is part of the American Dream and is a huge milestone that you should be proud of!
While a security deposit can be expensive, when you rent a home you do not have to pay a down payment, which is typically 20% of the price of your home.
When you rent, your landlord will take care of the cost of repairs. When you own, these will be an out-of-pocket cost for you.
Home values will rise and fall over the years. When you rent, you are not in danger of losing equity if the market dips.
Renting is a great option for people who are unsure of how long they will stay in one place. When you own you are tied to a mortgage, rather than a 12-month lease.
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New vs Used
Our mission is to make sure you're happy where you live. So, we're here to help you determine the option that will work best for you.
New materials and appliances are just that—new—which equals lower maintenance for you. They don't come with a previous owner's wear and tear, and are up to date with modern building standards. That means your house won't have electrical wiring that was made to be used with 50s-era appliances.
New homes can be built with smart design and enhanced green technologies that create energy efficiency. This will help you save on utility bills. Visit our Better by Design page to find out what Green by Design features Woodside Homes offers in your area.
A new home is a blank canvas that is just waiting to take on your personal style. You can be involved in the design process and make customizations during the build. So, you get your ideal floor plan and features, not someone else's.
New home warranties can help protect your home and offer you peace of mind. Plus, you'll have a relationship with the original builder, who will stand behind the quality of your home.
If you're looking for a home that has a one-of-a-kind design, a pre-owned home may be the right choice for you. Older homes tend to have a more lived-in feel and unique character, while new homes often feature contemporary designs that appeal to a wider range of personal styles.
Well-established areas are usually already built out, so you may need to purchase an existing home to get into certain neighborhoods. New homes are typically built in up-and-coming areas where there is more land available.
Older homes can have mature trees and greenery that have been there for generations. With a new home, you get a hand in designing your own landscaping, which can take time to fully grow.
Designing and building your perfect home is a process that can take time. If you would rather skip that step or need to move immediately, an existing home is a great option for you.
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Sustainable by
From lowering your utility bills to preserving natural resources to enjoying cleaner air — these features will make your life more sustainable.
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