The USACB Process

The Process

The USACB Process is designed to save the American family time and money. We accomplish this task by eliminating 99% of the traditional obstacles that currently exist for the homeowner, which aids us in “Truly Making the American Dream Affordable”. The USACB Process is the “New, Revolutionary Way to Purchase and Own a New Custom Built Home.” We ascribe to the K.I.S.S. motto of “Keep it Simple and Successful” and our process is just that; Simple & Successful”.

Phase I. 

     1. Complete the New Home Ownership Application

     2. Pay the Application Fee for a single ($199.00) or joint ($299.00) applicant. This fee is Non-           Refundable. 

     3. Approval typically takes 2-3 weeks.

Phase II. 

Upon approval, you will be scheduled to meet the Designer Sales Team where you will go through a 5 step process which includes:  

      I. Signing of the New Home Ownership Design Activation Agreement, pay for Designer                    Activation Fee, and receive 8 floor plans.

    II. Purchaser will provide selected floor plan, identify modifications to the selected floor                    plan.

  III. Purchaser and Designer Sales Specialist will review revisions of the floor plan, make all                selections for each room of the home: flooring, cabinets, counter tops, wall colors, etc.

  IV. Purchaser and the Property Coordinator will work together to select and determine the                location for build.

   V. Purchaser, Designer Sales Specialist and Project Manager will go over pricing,                  Principal Payment Deposit will be paid, and finalization of the Fixed Payment Contract will be                   completed.  

Phase III.

       Construction phase begins January or June of each year. This is when your Construction             Principle Payment will begin and the building process begins. Building can take 6 months to 1 year to complete.  Construction phase includes but is not limited to the preparation of  the grounds, blueprints, permits, sole testing, inspections, building of the home, etc. 

The USACB New Home Ownership process includes No Interest, No PMI, No Credit Restrictions (Debit to Income Ratio must be 60/40), 100% Principal Payments and the opportunity to pay off and own your new home in 15-18 years. There’s truly no other program in existence that can compete with the USACB New Home Ownership Process & Program.

Qualifiers

• Household income of $24,000.00 or more a year. 

• A 60/40 Debt to Income Ratio

• Current and past Job History 

• 3 Personal References

• Good Rental/Lease Payment History for the past 24-48 Months