Atlantic Homes Company logo
240-566-5630
Atlantic Homes Company logo
Atlantic Homes Company logo

CONSTRUCTION

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Welcome Home!

As a custom home builder, Atlantic Homes is dedicated to building unique, quality custom homes that are designed to last.

Atlantic Homes stands out as a leading home builder offering unparalleled service. This company's innovative approach combines real estate, home construction, design, and development under one roof, revolutionizing the process. As a result of being fully integrated, Atlantic Homes streamlines communication, sales, marketing, and customer service throughout the entire homeownership journey. With their commitment to exceptional standards of service, this company ensures their clients enjoy a higher level of satisfaction and efficiency throughout the building process.

CONTACT US
CONTACT US

Frequently Asked Questions

How long does the building process take?

Once we get past drawings, pricing, planning, permitting, and scheduling; it usually takes 6-9 months from breaking ground. There’s a lot that goes into the beginning stages of a build project and once construction begins, there could be unforeseen issues that could push the time frame and your budget.  

Do you offer a builders home warranty

Yes, our trade contractors provide a one year workmanship and material warranty. We also provide a home warranty for workmanship and structural items.  

Do I need to bring plans?

We build new homes from our portfolio and we offer custom design services. Our design team specializes in creating one-of-a-kind homes tailored to your property, lifestyle, and vision. Whether you select a plan from our thoughtfully curated portfolio or collaborate with us to craft something entirely new, we are committed to delivering high-quality homes that reflect the unique way our clients live. Our team has guided countless homeowners through the design process—ensuring clarity, creativity, and confidence at every step.

What Associations are you involved with?

Frederick County Building Industry Association, FCBIA®, Maryland Building Industry Association, MBIA®, National Association of Home Builders, NAHB®, MHIC #132931, MHBR #9376

Do you work with good subcontractors?

Yes. Using locally owned, approved trade partners who are quick to respond and provide superior customer service is something that we take great pride in. They are part of our extended company, and we treat them as such and in-turn they treat us the same. A good working relationship is very important in the home building process. Making sure everyone is on the same page is essential.   

We own a home, can you help us sell it?

Yes. Our unique company set-up allows us to offer real estate brokerage services. We can help determine your current home’s value and create a marketing strategy and timeline for you to sell. This allows us to keep the entire transaction in-house which means fewer head-aches for you. Licensed in Maryland, Pennsylvania, & South Carolina.  

How does your price compare to other builders?

AHC New Homes is currently building new homes in Maryland and Pennsylvania. Our “Best” pricing consists of subcontractors that we work with on a consistent basis. Staying local and working with subcontractors that are locally owned provides us with professional craftsmanship backed up by warranties and guarantees protecting your new home project.  

Can you help with financing?

We work closely with local lenders to find you the perfect loan that fits your financial needs. Our local lenders offer incentives and loans with some of the best terms and conditions. Market Ready Homes allow for more mortgage options rather than your typical construction loan. We accept VA, FHA, and many other types of mortgage loan options. 

Financing 

Getting pre-approved is one of the most important first steps in planning your new home. It not only helps you understand your financing options, but also gives you a clear picture of your purchasing power as you begin the design and budgeting process.

Pre-Qualification

The first step is to complete and submit a Pre-Qualification Request Form on our Preferred Lender’s website. A Loan Officer will review your financial information and pull your credit report to determine which loan programs are best for you and how much you are qualified to borrow.

You will need to provide:

 - Social Security Number (used to pull your credit report)

 - Most recent 30 days of paystubs

 - Year end paystubs for previous 2 years (only needed if paid hourly, make bonus, or have variable income)

 - Most recent two years of W2’s

 - Federal income tax returns and business tax returns (if self-employed)

 - Bank statements/investment account statements showing funds used for closing

 - Evidence of other assets such as stocks & bonds

 - Full two-year work history - contact name and address of employer to verify employment

*Note: Additional documentation may be required. Your Loan Officer will let you know exactly what is needed.

Make Loan Application

Once you are under contract for your new home, it is time to formally apply for financing. Your Loan Officer will process your application and let you know if there are additional documents or information needed to receive conditional approval from the underwriter. There may be conditions applied to the loan approval that need to be satisfied before closing on your loan. It is very important that any conditions be cleared in a timely manner to avoid delays in closing. 

Construction Process

During the construction of your new home, it is important that any changes in your financial status be communicated to your Loan Officer immediately. These would include a change or loss of employment, any change to your debt situation and any life changes.

*Note: During this time, it’s advised not to make any major purchases without consulting with your Loan Officer. This includes vehicles, furniture, or any other changes to your debt such as opening new credit cards.

Mortgage Processing

As your new home nears completion, final loan approval is needed prior to closing. This will require pulling updated credit if the current credit report has expired (credit reports are good for 120 days) and updated income and asset documents will be needed. Your Loan Officer will work with you to determine the best time to lock your mortgage rate. An appraisal and title work will be ordered by the Loan Processor. Your loan will be submitted to Underwriting for final approval and additional documentation and disclosures may be requested. Once the Underwriting department has approved all documents you will receive a “Clear to Close”. 

Closing

In the days prior to settlement, you will be sent all the documentation about your loan, including the Closing Disclosure. You must review, sign and return the paperwork a minimum of three days before your settlement date. The Settlement Agent (Title Company or Closing Attorney) will provide instructions for settlement day and the total amount of money you will need to close on your home.

On the day of settlement, you will meet with your Settlement Agent to sign all the necessary documents. Closing funds need to be paid with a cashier’s check or wire transfer.

Be sure to bring the following items to closing:

 - 2 forms of ID including at least one Photo ID

 - A checkbook, in the event of any last-minute minor adjustments