Bainbridge Island new construction homes.

Bring your own agent — it costs you nothing

Builder contracts include buyer agent commissions whether or not you use one. Going direct with the builder's sales team means the same commission stays in the builder's pocket while you lose independent representation.

Design center upgrades add up fast

Most new construction base prices are for a stripped-down package. Flooring, countertops, appliances, and finish upgrades at the design center can add $50,000–$200,000+ to your purchase price. Set a firm upgrade budget before your design center appointment.

Builder contract terms are not standard

Builder contracts are written to protect the builder, not the buyer. Inspection rights, earnest money terms, closing timeline flexibility, and warranty coverage vary significantly between builders. Have your agent review the contract before signing.

Construction loan vs. standard financing

Most buyers use a standard mortgage that closes at completion, not a construction loan. Lock timing matters — if rates change significantly during construction, your rate lock strategy affects your final payment.

New community infrastructure timeline

New Bainbridge Island developments often open before surrounding retail, parks, and schools are built. Understand the full community build-out timeline and what amenities will actually be available at your closing date.