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The Best Time to Build a Home

When is the best time to build a home?

Fall or winter can be a more affordable and convenient time to build a home. Let Community Choice show you how!

Home construction in autumn

When is the best time to build a home in Michigan? Seasonal weather can affect schedules, budgets, and construction feasibility, so what is the right answer? The short answer is: while there is no perfect “golden month,” many builders and homeowners agree that fall or winter months can offer unique advantages.


The “classic” window: late spring through summer 

Traditionally, many homebuilders suggest beginning site work and foundations in spring or early summer, when ground conditions thaw, soil drainage is good, and crews can take full advantage of long daylight hours. The idea is: get the heavy outside work done before the cold weather sets in. Many custom home builders across the Midwest often recommend starting between July and October to align with favorable weather. That said, spring and summer are also peak seasons for demand, meaning builders, subcontractors, and suppliers are often busiest (and rates sometimes higher). 


The off-peak alternative: fall and winter

Traditionally, many homebuilders suggest beginning site work and foundations in spring or early summer, when ground conditions thaw, soil drainage is good, and crews can take full advantage of long daylight hours. The idea is: get the heavy outside work done before the cold weather sets in. Many custom home builders across the Midwest often recommend starting between July and October to align with favorable weather. That said, spring and summer are also peak seasons for demand, meaning builders, subcontractors, and suppliers are often busiest (and rates sometimes higher). 

A dollar sign symbolizing the money you can earn and save with Community Choice Credit Union

Here are several compelling advantages to building during Michigan’s “shoulder” or colder seasons: 
 
1. Better negotiating power with builders and suppliers 

When the weather cools, demand for construction tends to soften. Builders who were booked solid in summer may have more open capacity in fall or winter. That means you may be able to: 

  • Negotiate lower prices or incentives (upgraded materials, free upgrades, credit allowances). 
  • Work more closely with your contractor — they are less rushed and more responsive. 
  • Lock in favorable terms with subcontractors (plumbers, electricians, HVAC) who otherwise have tight schedules in spring/summer. 


2. Cost savings on materials and supplies 

As the high season wanes, vendors may discount materials, especially lumber, roofing supplies, siding, windows, and insulation. Some building supply houses offer sales to clear inventory ahead of winter. That can shave thousands off your material budget — and when you’re building a home, every dollar counts. 


3. Faster permitting and inspection turnaround 

Local permitting offices often see a slowdown in new permit applications in fall and winter compared to spring. With fewer simultaneous projects in queue, municipalities may process permits and inspections more quickly. This can reduce delays that sometimes bottleneck a home construction timeline. 


4. Reduced site and startup delays from spring thaw or mud 

One often-overlooked advantage is that mudding — the mess that happens when frozen ground thaws in spring — can disrupt or delay site operations. Heavy equipment can bog down in soft soils. Starting or continuing your build when the ground is frozen or firm helps avoid that pitfall. Also, in winter, crews can sometimes continue work on interior tasks even when exterior work is paused due to snow. 


5. Move in earlier & get a head start on landscaping and interiors 

If timed properly, a fall/winter build may let you move in before or early in spring. That gives you all spring and summer to finish landscaping, plant gardens, and tweak exterior details.  


6. Improved contractor focus and customer service 

With fewer simultaneous builds, contractors are less stretched and can devote more attention, care, and communication to your project. That means fewer surprises, better scheduling, and more hands-on oversight.  


So, late summer through winter is arguably the best stretch to initiate a build — and building through fall/winter can be a more efficient, cost-savvy, and better-supported path than waiting for “ideal” weather. 

All that sounds great — but none of it matters if you don’t have the right financial backing. That’s where Community Choice comes in. We’ll help you get access to construction loans, mortgages, and home loans to finance your dream project. 

Here are just some of the ways we make the process easy and hassle-free: 

  • A simplified process. One closing ensures an easy transition from your construction loan to your mortgage, whether on owned land or a builder’s lot. 
  • Choose a 15- or 30-year mortgage. After the home is completed by your licensed and insured builder, the loan transitions to a mortgage that suits your timeline. 
  • Competitive rates. Lock in your fixed or adjustable rate and keep it for your final home loan. 
  • Experienced Mortgage Consultants. Our diverse team of experts will keep you informed and the loan process on track.  

No matter what time of year you’re looking at for your home construction, today is always the best time to start! We’re here to make this process as pain-free and streamlined as possible. We’ll answer your questions, offer you expert advice, and help you access the financing you need to make your dream home a reality. And, we’ll be with you every step of the way.

Ready to see how easy financing a new home build can be?