F.A.Q.'s

Having been in the business since 1963, Chaffey offers the most dedicated and experienced group of staff, builders, designers, and more.

Absolutely. Buying a new home from Chaffey Homes makes it easy for the buyer to be the decision maker on finishes prior to move-in.
We offer our customers the added convenience of having our own interiors department. Having choices at your fingertips and making decisions have never been easier.

Unlike most home builders in the Northwest, we not only have a warranty program, we have a warranty program that will bring you peace of mind.

• Comprehensive Homeowners Warranty for every homeowner in every Chaffey community.
• 10 years structural warranty.
• Dozens of other key items covered.
• Fully transferable if you should sell your home.
Our warranty is an “in-house” program. There is no middleman.

We have Presales available in most of our new neighborhoods. Also, you can talk to us about building a new home on your lot, or we will assist you in finding a new lot.

Yes. When buying a home, even in our current tough economy, a few important rules are constant. First, buying a home is an investment. Being easily the most important purchase in a person's life, buying a home can be an awesome and overwhelming task. Nor should it ever not be viewed as a typical purchase. Even in our current economy, a home does not have to be a depreciating asset. Like with any other investment there is risk, but with the right investment plan, you can and should expect it to be an appreciating valuable, and any risk can be managed. Lastly, really knowing how much you can afford may be as simple as tracking your monthly budget. The most fundamental rule is to spend less than you earn and invest in quality.

With most first time homeowners selling their starter home within the first three years, it’s important to assess to future salability of your home, as well as determining if it fits your needs.
Ask yourself these three questions: First, how long will you live there? Second, what qualities are you looking for in a home? Lastly, what location is the ideal place for not only you, but also others to live?
To sum it up, you should consider what the condition of the area is looking ahead, if you were to sell in 5 to 10 years. But rest assured, once you live in a Chaffey Home, it’s tough to consider living anywhere else.

It is always a good idea to compare rates from several different companies before you sign anything. There are several key factors to keep in mind when choosing your mortgage lender.
Points are simply additional finance charges tacked on to the beginning of a loan. They can be paid upfront or spread out over the life of the loan. Although adding them into the loan makes upfront costs lower, it greatly increases your total cost since this process is simply paying interest on interest.

Closing Costs are additional fees and expenses necessary in order to transfer ownership of a property. Some examples of typical closing costs are title insurance, title searches, court filing fees, and survey charges. Sometimes closing costs are called settlement costs. These fees are not the same with every lender so be sure to include them in your comparison.

Another factor in the rate that you will be offered is your credit rating. Someone with a good credit rating provides a much lower risk to the lender so a lender will be able to offer you a lower rate. Nevertheless, keep in mind that no matter what your credit rating is, the lowest rate isn't always the best deal. Looks at all factors and figure out the long-term numbers that you can live with.

Don't rely solely on your lender for an answer. Use the classic 28/36, which limits post-purchase housing expenses to 28 percent of gross income and caps total debt obligations to 36 percent of gross income.
Online calculators like CNN/Money's payment calculator can help you do the math.

Chaffey uses only the latest model (that year) appliance in every build. Because we build homes on a large scale, we are able to purchase appliances on a larger scale, and our customers benefit from those cost savings.
In our New Tradition Homes, we use only Energy Star appliances, saving our customers even more money over time, and saving our environment over lifetimes.