Utah New Construction Checklist

Before You Start Looking

The new construction process in Utah starts well before you walk into a model home. Taking care of these steps first puts you in a stronger position to negotiate and make decisions.

• Get pre-qualified with a lender. Know your budget before falling in love with a floor plan. Many Utah builders have preferred lenders offering additional incentives, but you should always compare rates independently.
• Define your target area. Utah's new construction market varies dramatically by region — pricing in Lehi is very different from St. George or Ogden. Narrow your search to 2-3 areas.
• Set a monthly payment comfort zone. Focus on what you can comfortably pay monthly, not just the purchase price. Builder incentives like rate buydowns can make a higher-priced home surprisingly affordable.
• Research builder incentives. Incentives change frequently and vary by builder, community, and even by lot. Knowing what's available gives you negotiating context.
• Decide on representation. Having independent, buyer-side guidance costs nothing with most Utah builders and protects your interests throughout the process.

Evaluating Builders

Utah has dozens of production and semi-custom builders. Not all builders are equal in quality, contract terms, or customer service. Here's what to evaluate:

• Build quality and warranty. Ask about structural warranties, what's covered, and for how long. Drive through completed communities to see how homes age.
• Contract terms. Builder contracts are written to protect the builder. Read every clause — especially escalation clauses, timeline guarantees, and cancellation terms.
• Pricing transparency. Some builders include items in the base price that others charge as upgrades. Compare what's actually included, not just the listed price.
• Timeline reliability. Ask current buyers in the community about construction timelines. Delays are common, but some builders have much better track records than others.
• Incentive programs. Compare rate buydowns, closing cost credits, and upgrade allowances across builders. The best incentive package depends on your specific financial situation.

During Construction

Once you've signed a contract and construction begins, staying engaged is important:

• Track construction milestones. Most builders provide updates, but you should independently verify that key milestones are being met on schedule.
• Schedule independent inspections. Don't rely solely on the builder's inspections. Hire an independent inspector at pre-drywall and pre-closing stages.
• Document everything. Keep records of all communications, change orders, and promises. If something was agreed verbally, get it in writing.
• Plan your upgrades strategically. Some upgrades must be done during construction (electrical, plumbing, structural). Others — like flooring, lighting fixtures, and landscaping — can be done after closing for significantly less money.

Closing Preparation

The final steps before you get your keys:

• Final walkthrough. Inspect everything methodically. Bring a checklist and take photos. Note any defects, unfinished items, or discrepancies from what was promised.
• Punch list. Create a detailed list of items that need to be corrected before or shortly after closing. Get the builder's commitment in writing.
• Review closing documents. Verify that all incentives, credits, and agreed terms are reflected in the final paperwork. Don't sign anything you haven't reviewed.
• Lock in your rate. If you haven't already, make sure your mortgage rate is locked and the terms match what was discussed with your lender.
• Set up utilities and services. Transfer or set up electric, gas, water, internet, and any HOA registrations before moving in.