Question 1

What is the process for buying a new construction home with DCA Florida Homes?

Accepted Answer

The process generally starts with choosing a floor plan and selecting a lot, then moving through design selections, contract, construction, and closing. Our team guides you through each step. For specifics on your situation, contact us and we'll walk you through it.

Question 2

How long does it take to build a new construction home in Southwest Florida?

Accepted Answer

Construction timelines vary based on the home, the lot, permitting, weather, and supply availability. We can give you a realistic timeline estimate once we know which floor plan and lot you're considering. Reach out to discuss your specific project.

Question 3

What warranty comes with a new DCA Florida home?

Accepted Answer

Every new DCA home is backed by our new construction warranty, which includes workmanship and structural coverage. You can read the full details of our warranty tiers and the service request process on our Warranty page.

Question 4

Can I finance a new construction home?

Accepted Answer

Yes. New construction homes can be financed with conventional mortgages, FHA, VA, and other loan programs depending on your situation. We recommend speaking with a qualified lender early in the process. Our Financing page has general information to help you get started.

Question 5

Do I need a construction loan, or can I use a standard mortgage?

Accepted Answer

Because DCA builds the home and you purchase it upon completion, many buyers use a standard mortgage rather than a construction loan. The right approach depends on your lender and your specific situation — check with your lender for guidance.

Question 6

What inspections are done on a new construction home?

Accepted Answer

New construction homes are built to current Florida building codes and go through municipal inspections during construction. Many buyers also choose to hire an independent home inspector for a pre-closing inspection. We encourage buyers to do so for their own peace of mind.

Question 7

Are new homes in Southwest Florida built to hurricane codes?

Accepted Answer

Florida has some of the strictest building codes in the country, developed in response to hurricane experience. New construction homes built today must meet these codes, which address wind resistance, impact protection for openings, and structural tie-down. Our homes are built to current Florida building codes.

Question 8

What should I know about flood zones when buying in Southwest Florida?

Accepted Answer

Much of Southwest Florida falls within FEMA-designated flood zones, and flood zone designation can affect insurance requirements and costs. Flood zone maps (FIRMs) are published by FEMA. Always confirm the flood zone for any specific lot with your insurance agent and the local building department before purchasing.

Question 9

Do I need flood insurance for a new construction home in Southwest Florida?

Accepted Answer

If your property is in a high-risk flood zone and you have a federally backed mortgage, flood insurance is typically required. Even outside high-risk zones, many homeowners in Florida choose to carry flood insurance. Speak with a licensed insurance agent for guidance on your specific property.

Question 10

Can I customize the floor plan or finishes of my new home?

Accepted Answer

DCA Florida Homes offers a range of floor plans with contemporary finishes and flexible layouts. Some design and finish selections may be available depending on the stage of construction. Contact us to discuss what options are available for the home and lot you're considering.

Question 11

Where does DCA Florida Homes build?

Accepted Answer

We build on select residential lots across Southwest Florida, primarily in Sarasota County (including North Port, Venice, Sarasota, and Englewood) and Charlotte County (including Port Charlotte, Punta Gorda, and Rotonda West). Because we build on scattered lots, available locations change over time.

Question 12

What is included in the price of a new construction home?

Accepted Answer

Our floor plans have a stated starting price. What's included beyond that can vary by lot, selections, and upgrades. We'll provide a clear breakdown of what's included and what options are available for the specific home you're considering.

Question 13

Can I work with my own real estate agent?

Accepted Answer

Yes. We welcome real estate agents through our co-broke program. If you're working with an agent, have them contact us — we're happy to work together. You can learn more on our For Real Estate Agents & Brokers page.

Question 14

What happens after closing — who handles warranty service?

Accepted Answer

After closing, our Customer Care team handles warranty service requests. If you experience an issue covered under warranty, you can submit a service request and our team will coordinate the repair. See our Customer Care and Warranty pages for details.

Question 15

Are utilities and impact fees included when I buy a new construction home?

Accepted Answer

Utility connections and impact fees can vary by lot and location. Some lots already have utilities in place; others may require connection. We'll clarify what applies to the specific lot you're considering so there are no surprises.

Question 16

How is buying new construction different from buying a resale home?

Accepted Answer

With new construction, you get a home built to current codes with modern systems and materials, a new home warranty, and the ability to make selections before move-in. With resale, you buy an existing home as-is. New construction typically involves a longer timeline from contract to move-in, since the home is being built.

New Construction Home Buyer's FAQ