The G.W. Robinson team has been helping homebuyers realize their dream of home ownership for more than 40 years. During that time, we’ve built nearly 2,500 new homes in Alachua, Bradford, Clay, Columbia, Levy and Union counties.

At G.W. Robinson, we have developed relationships with some of the finest financial institutions and mortgage lenders in the country. They will help you get your dream home financed and:

  • Assist you with filing loan applications
  • Help you locate the most competitive interest rate
  • Assist you in determining how much you can afford
  • Help you calculate a down payment and corresponding monthly payments
  • Shop for your best financing options

Feel free to consult with these preferred mortgage partners to review financing options available for your new home. Please note that it generally takes 45-60 days to file all paperwork and be ready for closing of your loan.

WE’LL HELP TAKE THE WORRY OUT OF FINANCING

PREFERRED MORTGAGE PARTNERS

Debbie Dougheny
Debbie DoughenyMortgage Banking Officer
Thank you for your interest in BBVA Compass. I have the expertise to help analyze your situation and find the mortgage that best suits your needs. Please contact me at: (352) 367-5102

CALCULATE YOUR MONTHLY PAYMENTS

WITH YOU EVERY STEP OF THE WAY

MONITOR PROGRESS

Once an agreement of sale has been signed, you will receive a letter with a specific user name and password. This will allow you to access your home information via our homeowners’ site.

Weather, resource availability, degree of customization and change orders can adversely affect this timeline.

SERVICE AFTER CONSTRUCTION

After your home is completed, you can generate Service Requests and manage your open warranty list by using our online request service.

A TYPICAL TIMELINE

Weather, resource availability, degree of customization and change orders can adversely affect this timeline.

Day 1 (14 days duration):
Choosing a home site, planning your home design and custom package, non-refundable deposit

Day 15 (14 days duration):
Plan draw, receipt of homeowner manual, contract

Day 29 (21 days duration):
Color selections, lot walkthrough, selection addendum complete, engineering, energy calculation

Day 40 (7-14 days duration):
Lot closing, buyer start order

Day 47 (14-60 days duration):
Permit package from municipality

Day 61 (65 days duration):
Construction begins, pre structural walk, cabinets installed

Day 126 (45 days duration):
Pre flooring walk, homeowner orientation, close on home

Day 171 (365 days duration):
90-day warranty walk, one-year warranty walk, one-year warranty period

FREQUENTLY ASKED QUESTIONS

Building a home can be a daunting task.
To make the process as smooth as possible, we’ve assembled information on how to get started, how to buy a home, and general questions about your home construction.
We’ve also included a checklist for a hassle-free move (PDF, 107 K).

GETTING STARTED

When getting started in the home buying process, consider these important questions:

  • In what part of town do you wish to live?
  • How much space do you need?
    • How many bedrooms and bathrooms?
    • How big a kitchen?
    • How large do rooms need to be?
  • What features do you want in your home?
  • How quickly do you need to move into a new home?
  • Should the house be close to certain schools or your job?
  • How much can you afford to spend?
  • Do you want to be close to city amenities or do you prefer the peace and quiet of a rural setting?
  • How many bedrooms and bathrooms do you need?

HOW TO BUY A HOME

Once you have analyzed your needs and financial situation, start shopping. Be sure to:

  • Study floor plans to find the layout that is best for your lifestyle.
    • Is your family casual or formal?
    • Do you entertain and need space for large groups?
    • Do you want high ceilings or an open floor plan?
  • Carefully compare features in available homes.
    • Do you need space for privacy?
    • Do you want natural light?
    • What is the view from windows or from room to room?
  • Look at quality of construction (inspect cabinetry, carpeting, trim work and paint).
  • Research the reputation and stability of the home’s builder.
  • Find out what financing options are best for your financial situation.
  • Decide what decorating style you prefer.
  • Look for a builder with whom you can have a comfortable working relationship.

You may want to make a list of minimum “needs” or requirements and a “wish list.” Use these lists when comparing homes.

Q & A

After you have a list of required features for your home, begin to look at homes in your area. Compare features, locations, size and cost. Talk to people who live in homes built by a builder you are considering. Talk with people in neighborhoods you are considering. Do your research carefully.
Lenders look at your debt-to-income ratio. That figure compares your gross or pre-tax income to housing and non-housing expenses (long-term debt such as student loans, car loans, child support, alimony). The Federal Housing Authority (FHA) uses a guideline that says your monthly mortgage payments should be no more than 29% of your gross income, while the mortgage payment plus non-housing expenses should total no more than 41% of income. Lenders also look at the cash you have for a down payment, your credit history and closing costs to determine your maximum loan amount.
Contact your G.W. Robinson Sales Consultant, who will supply you with a list of all local schools for the community you are considering. For further information, contact the Alachua County School Board for public school information at 352/955-7300. For specific zoning information, visit the Alachua County School Board zoning site. Gainesville also offers an excellent selection of private schools, such as:

  • Brentwood School 352/373-3222
  • Cornerstone Academy 352/378-9337
  • Countryside Christian School 352/332-9731
  • Flowers Montessori School 352/376-4700
  • Gainesville Christian Academy 352/371-1075
  • Gainesville Country Day School 352/332-7783
  • Jordan Glen School 352/495-2728
  • Millhopper Montessori School 352/375-6773
  • Oak Hall School 352/332-3609
  • Queen of Peace Catholic Academy 352/332-8808
  • St. Patrick Interparish Catholic School 352/376-9878
  • Trilogy School 352/373-5839
  • Westwood Hills Christian School 352/378-0638
The US Department of Housing and Urban Development (HUD) suggests you consider the following:

  • Is there room for both the present and future?
  • Are there enough bedrooms and bathrooms?
  • Is the house structurally sound?
  • Do the mechanical systems and appliances work?
  • Is the yard big enough?
  • Do you like the floor plan?
  • Will your furniture fit in the space?
  • Is there enough storage space? (bring a tape measure to answer these questions.)
  • Does anything need to be repaired or replaced?
  • Will the seller repair or replace the items?
  • Imagine the house in good weather and bad, and in each season. Will you be happy with it year-round?
G.W. and Kate Robinson built their first home in 1968. Since then G.W. Robinson Homes has built nearly 2,500 homes in Alachua and surrounding counties. The G.W. Robinson team is most proud of the unusually high number of second and third homes they have built for their customers – a true testimony to the quality and service they deliver on every home they build.
Construction schedules depend greatly on the size, floor plan and complexity of your home and the topography of the lot you have selected. Typically, a home will take 120 to 180 days to build after permits have been issued. For more specifics, discuss with your G.W. Robinson Sales Consultant.
The G.W. Robinson selections coordinator will help you coordinate materials for your home in our convenient design center. No need to run all over town to review materials. You’ll find all your selections easily and conveniently – from tile, floor coverings, wallpaper and bathroom fixtures, to electrical fixtures, kitchen cabinets, paint colors and appliances.
Your down payment will depend on the type of financing you secure – FHA or conventional and your credit score. Generally, your down payment will be 5-25 percent. When you consider how much down payment you will make, don’t forget to figure out how much you will need to spend for moving expenses, utility deposits, repairs and decorating.
Closing costs generally include:

  • Attorney or escrow fees (yours and the lender’s)
  • Property taxes (to cover taxes to date)
  • Interest (paid from date of closing to 30 days before first monthly payment)
  • Loan origination fee (lender’s administrative cost)
  • Recording fees
  • Survey fee
  • First premium of mortgage insurance
  • Title insurance (yours and lender’s)
  • Loan discount points
  • First payment to escrow account for future real estate taxes and insurance
  • Paid receipt for homeowner’s insurance policy
  • Any documentation preparation fees