What You Need to Know Before Buying New Construction in New Hampshire
There’s something uniquely exciting about buying a brand-new home — the fresh finishes, the modern floor plan, and the chance to make it truly yours from day one. In New Hampshire, new construction homes are increasingly popular, especially in growing communities like Londonderry, Hooksett, Rochester, and the Lakes Region.
But buying new construction is a bit different than purchasing a resale home. At Lovlien Realty Group, we’ve guided clients through countless builder deals, and we’re here to help you navigate the process with confidence.
1. Understanding the Two Types of New Construction
There are typically two paths to buying new construction:
Spec homes (move-in ready or nearly complete): These are homes the builder constructs without a specific buyer in mind. They’re ideal if you want new but don’t want to wait.
To-be-built homes (custom or semi-custom): You’ll choose the lot, floor plan, and finishes. These can take 6–12+ months to complete depending on complexity and availability.
Knowing your timeline and flexibility can help you determine which route makes more sense for you.
2. Financing New Construction: A Different Approach
Financing for new construction can vary slightly from traditional home loans. Here’s a general overview — but please remember:
📌 We are not mortgage lenders, and this is not financial advice. Always consult a licensed mortgage professional to understand your full financing options. We’re more than happy to connect you with experienced New Hampshire-based lenders who specialize in construction and builder-financed deals.
That said, here’s a surface-level view:
Spec homes: Typically financed like a resale home with conventional, FHA, VA, or other mortgage products.
To-be-built homes: May require a construction-to-permanent loan or a deposit schedule paid during the build process. Each builder may have different requirements.
A local lender can help you decide which option best fits your goals and financial profile.
3. The Benefits of Buying New
There’s a lot to love about new construction, including:
Energy efficiency – Modern HVAC systems, windows, and insulation reduce utility bills
Low maintenance – No outdated systems or repairs right out of the gate
Customization – Choose your finishes, flooring, cabinetry, and layout
Warranty coverage – Most builders offer a 1-year warranty, with some covering structural issues for up to 10 years
If peace of mind and personalization are high on your list, new construction could be a great fit.
4. But… New Construction Isn’t Without Its Challenges
It’s easy to fall in love with a shiny model home, but here are a few things to keep in mind:
Upgrades add up quickly – Those quartz counters and premium fixtures? Not always included.
Timelines can shift – Delays due to weather, supply chains, or labor shortages are common.
You still need an inspection – Even brand-new homes can have issues. A third-party inspection is always recommended.
Builder contracts can be complex – You need an experienced agent to review every clause with your best interests in mind.
Lovlien Realty Group knows how to advocate for you through builder negotiations, ensure you understand the fine print, and help protect your investment throughout the process.
5. Should You Use the Builder’s Agent?
It’s a common question: “Do I need my own agent if the builder has one?”
Yes. Absolutely.
The builder’s agent works for the builder. Their job is to get the highest profit and protect the builder’s bottom line.
Our job is to protect yours. We’ll help you:
Compare communities and builders
Understand the contract before you sign
Navigate upgrades, timelines, and inspections
Make sure you get what you paid for — down to the last detail
And the best part? In most cases, the builder pays our commission, not you.
Final Thoughts
Buying new construction in New Hampshire offers a fresh start — but it also requires careful planning, smart negotiation, and someone in your corner from start to finish.
At Lovlien Realty Group, we work with builders across the state and know how to ask the right questions, spot red flags, and ensure your new home truly feels like home from day one.
📞 Ready to explore new construction homes? Let’s talk.
📍 From Southern NH to the Lakes Region, we know the builders, the lots, and the process.
