Is Now the Right Time to Build a Custom Home? What to Know Before You Start
Insights from a trusted custom home builder in Southwest Michigan
You’ve been dreaming about that perfect lake view. The gourmet kitchen. The space designed exactly the way you live. But with everything going on in the market—rates, materials, timing—you might be wondering:
“Is now the right time to build a custom home?”
At Mark Scott Homes, we’ve helped hundreds of families navigate this very question. And the truth is, the best time to build isn’t just about the market—it’s about preparation, mindset, and your personal goals.
Here’s what you need to consider before starting your custom home journey.
🕰️ 1. Timing Your Life—Not Just the Market
The real estate market fluctuates, but your life doesn’t always wait. If you’re building a forever home, a second home, or a retirement retreat, think in terms of lifestyle readiness, not just interest rates or lumber prices.
Ask yourself:
Do I have a clear vision of where I want to live?
Is my family at a place where a custom home would improve our day-to-day life?
Am I ready to begin the design and planning process, even if construction starts months from now?
At Mark Scott Homes, we often begin working with clients 6 to 12 months before breaking ground. So starting the conversation early gives you flexibility and control—regardless of market conditions.
💵 2. Interest Rates and Construction Loans
Yes, interest rates are a factor—but they’re not the only one. Many homeowners choose to refinance after construction if rates drop, giving them the freedom to move forward without waiting for the "perfect" rate.
Plus, building a custom home can take 12–18 months from initial planning to move-in. Rates may change by the time your home is finished.
We recommend speaking with a local lender who understands construction loans for custom homes in Michigan and Indiana—and we can connect you with trusted partners.
🔨 3. Material Costs and Availability
Lumber prices and material delays made headlines in the past few years, but the market has stabilized in many areas. At Mark Scott Homes, we help homeowners:
Lock in pricing where possible
Select long-lead-time items early (like windows and appliances)
Navigate alternatives when needed without sacrificing quality
Working with a high-end home builder in Southwest Michigan means you're not alone in managing these details—we do the heavy lifting so you can stay focused on the big picture.
📐 4. Planning Now = Building When You’re Ready
Even if you’re not planning to move in for 18–24 months, starting the process now gives you more freedom. Our design and pre-construction phases are collaborative and detail-oriented, which takes time—but ensures the final result reflects your vision.
Planning now also means securing your spot in our build schedule, which fills up quickly—especially for lakefront and vacation home projects.
🌟 5. The Opportunity Cost of Waiting
If you’ve found the perfect lot—or if your family’s needs are changing now—waiting could cost you more in the long run. Home values tend to rise over time, and delaying your build may mean higher future costs or missing out on the property you love.
We always recommend starting with a conversation. No pressure. No hard sell. Just honest guidance.
🧭 Final Thought: The Best Time to Build Is When You’re Ready to Plan
There may never be a perfect time on paper—but the right time to start planning is when you’re ready to take the first step. And when you partner with a builder who values transparency, quality, and communication, the journey becomes just as enjoyable as the destination.
👷 Ready to Talk?
Whether you're just starting to explore the idea or already have your lot picked out, Mark Scott Homes is here to guide you.
Let’s have a conversation about your goals, your timing, and how to make your dream home a reality.
Contact us today to start planning your future—beautifully built.