FAQ's

Frequently Asked Questions

Our home design team works with a lot of home buyers and families to guide them through the custom home building process. We have compiled a short list of our most frequently asked questions before and during the home build process.

Here are some frequently asked questions (FAQs) to help you get the information you may need. If you require further details or have additional queries, please don’t hesitate to reach out to us. Contact us for more information.

Can you help me find a lot?

Yes, once you have been pre-approved for a construction loan, we can assist with the lot-hunting process. Learn more here!

Can you build my plan on my lot?

Yes, if you have a set of architectural drawings, we can provide a bid and build your plan on your lot. Learn more here!

What is your process?

Our home-building process is simple! Learn more here.

Step 1: Book an initial consultation with our custom building experts
Step 2: Select your base
Step 3: Work with your home consultant to customize the design
Step 4: Select your finishes and fixtures
Step 5: Build your custom home

Can I make changes to your floorplans?

Yes, we can adjust any of the floorplans on our website OR start from scratch. View our floorplans here!

Are impact fees, site work, well or septic included in pricing?

Pricing of our homes do not include impact fees, site work, well or septic as those vary on a lot-to-lot basis.

What type of loan is required for financing?

A Construction-to-Permanent mortgage (CP loan) is a three-stage mortgage that allows you to finance the construction of your new home. A CP loan allows you to lock in your interest rate and close your loan before construction begins. Plus, there is only one closing with no need to re-qualify for the permanent phase of the loan.

During construction, disbursement is made to cover the cost to build and interest is paid only on the outstanding balance. When construction is complete, the loan converts to a permanent mortgage. At this point, scheduled monthly payments of principal and interest plus escrows, if applicable, will take effect.

Do you have any lenders?

Yes! We are approved by Regions Bank, MIDFLORIDA Credit Union, and Truist Bank. Please reach out to us for their contact information.

Can you build a Mother-In-Law Suite?

Yes. Contact us for more information on Mother-In-Law Suites and ADU’s.

Do you do remodels?

If you have engineered plans, we may consider a remodel. We cannot give a quote or any information if we do not have plans.

How do we get started?

Complete our contact form to get started!

Question Not Answered?

If you still have a query for our design team after reviewing the frequently asked questions, contact us online and we will get back to you as quickly as possible. Our professional team of home builders and designers will work with you and your family every step of the way through the custom home build process. Look through our most popular pages below to get a better feel for the home designs, layouts and custom home floor plans we offer.

View Our Floor Plans

The Brooke-Lynn

Click to learn more.

The Shaina

Click to learn more.

The Ellen

Click to learn more.

The Deborah Lynn

Click to learn more.

The Amaryllis

Click to learn more.

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Florida’s Premier Custom Home Builder

FLOOR PLANS / LOCATIONS / LOTS

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Georgia’s Premier Custom Home Builder

FLOOR PLANS / LOCATIONS / LOTS

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Our Custom Home Process

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Need a Lot?

We have select lots available for your new home, or if you don’t see the perfect fit, we’re happy to help you find the ideal property to build on.

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Google Rating

4.8

Based on 45 reviews

Covenant Homes

4.8

review us on See all reviews

Roger Cox

1754314358

A+ Contractor and Team.We had a great construction experience with Covenant. I am a professional engineer and I have been around construction and contracts for over 30 years. The build quality and value for the money is excellent. They build a solid house. I worked with David on the initial contract development which went smoothly. I was able to get the contract in place that I was comfortable with.. the construction went well, and when there were issues (it's construction folks.. things WILL happen!) all issues were worked out to my satisfaction. At no time did I feel adversarial toward the contractor.. we were always able to keep good communication and move the project forward. Christina is amazing, and Dean B and Dean W were great to work with, and they did not nickel and dime me to death.This is not a "cheap" contractor, they are a competent and reliable contractor.. so if you are price pointing.. look somewhere else.. Covenant will you a quality house that is worth what you paid. They have been using use the same quality subs for years, and that makes a HUGE difference. Even the bank told use that we did not have to worry about this contractor.. that was just the lime in the margarita!!I would build with them again without hesitation... if you are looking for a solid construction, great value and customer attention and a not a cookie cutter assembly line approach.. this is your contractor. Much thanks to the Covenant Family for building our wonderful new home.

Rod Samson

1754308358

Dean and the entire team at Covenant Homes were great to work with. They created a great home and continued to service us after the build.

SUSANA MARIA RESTREPO ROJAS

1751567920

We had an absolute fantastic experience with Covenant Homes! They are very experienced, very supportive, and super helpful. Everything has been built in highest quality terms for a very competitive price. We asked several builders and Covenant Homes provided the best quality for the best price. A big thank you to the owners David and Dean, the supervisor John, and Christina and Amaryllis. Thanks, you are amazing!We very enthusiastically recommend Covenant Homes and would provide a higher rating than 5 if it were possible.

Ron and Tonya

1751071460

We had a wonderful experience with Covenant Homes in the entire building process. The designing, planning and building-- all of the process was 5 stars. Dean Williams spent so much time with us during our build and whenever he comes to check in, he is never rushed and always patient. Covenant goes the extra mile in everything they do. Service and customer satisfaction are at the top of their list even after the home is completed. The entire team (Christina esp. ) is excellent. We highly recommend Covenant.

nicole mantzke

1750593632

THIS IS THE ONLY HOME BUILDER TO WORK WITH!!!I did my homework and research when I began my home building journey. I am so grateful I found Covenant! BEST EXPERIENCE EVER. I would do it all over again without hesitation, here’s why…Working with Covenant Home Builders was an exceptional experience from start to finish. From the very first meeting, it was clear that their team is built on integrity, expertise, family values and genuine care for their clients’ vision.John, my project manager, was nothing short of phenomenal—always accessible, incredibly knowledgeable, and a true problem-solver. He made the entire process seamless and stress-free, always one step ahead and ensuring every detail was handled with precision. Dean is equally impressive and amazing to work with, bringing a calm confidence and a meticulous eye for craftsmanship that elevated the entire experience. Awesome job on my walk in closet design.The quality of the build itself exceeded all expectations. Every inch of my home reflects the pride Covenant takes in their work—from the foundation to the final finishes, everything was executed with care and excellence. And if any issues came up, they didn’t just respond—they resolved it immediately, with professionalism and a smile.Every member of the staff contributed to making the process not only efficient but actually enjoyable. There’s a level of dedication and pride in this team that’s truly rare. I couldn’t be happier with the final result and the journey it took to get there. If you’re looking to build a home with people who treat your project like it’s their own, Covenant Home Builders is the one to trust.Call them now, you’ll be more than happy you did!Thank you Covenant family and friends 💜

will dowers

1740362864

We love our new home. Throughout the build the Covenant staff stayed in touch answering our questions the same day. We had shopped around a lot and everyone we spoke with had only positive comments and proved to be the case for us. And after we moved in we still had minor changes and the crew was quick to respond. We made a smart choice going with Covenant.

John McFarland

1740269124

My wife and I recently had a great experience working with Covenant Homes building a new home in Dunedin, FL. Covenant helped us evaluate the homesite before we purchased it, directed us to an architect that they work with for a custom plan, procured all permits, and then they did fantastic job building the home. The Covenant Homes owners and staff are very knowledgeable, and they have excellent consultant and tradesman contacts that make the permitting and construction process go smoothly. Communication from their office and field project manager was always timely. We found Covenant Homes to be fair and honest with cost budgeting and pricing. We are very happy with the construction quality and have already recommended Covenant Homes to others.

Marsha McLaurin

1740155712

Can't speak highly enough about this builder and the Covenant family of builders. They are professional in every detail and stand by their projects 100% I have built two homes with them in Pinellas Co and Pasco Co. And I am building another home with them in Georgia! That's how great they are!Choose them, you can't go wrong!Hildy Forman

Barbra Mastrota

1740082196

We recently had the pleasure of working with Covenant Homes, to build our new home in Dunedin, and the experience was nothing short of outstanding.From start to finish, they were efficient, organized, and incredibly professional, making the entire process smooth and stress-free.Their attention to detail, clear communication, and commitment to quality were evident in every step. They delivered on time, stayed within budget, and exceeded our expectations with their craftsmanship and expertise.If you’re looking for a reliable and skilled home builder, we highly recommend Covenant Homes. They made what could have been a stressful process truly enjoyable, and we couldn’t be happier with our new home!

carlo benedetti

1716236579

Nothing but absolute quality work provided with absolute attention to detail! Highly recommend this company to everyone.

Ryan S

1706752260

We recently completed a perfect home in Palm Harbor FL. Dean W. Dean B. David W. Christina, and Amaryllis have been wonderful to work with. Their work is high quality and we could not be more happy. We strongly suggest Covenant for anyone looking to build a home in the Tampa Bay or surrounding areas. We will ONLY build with Covenant Homes. My wife and I could not be more grateful for what they have done for our family.

AMillionin1

1699014288

We love our custom home. We are so glad we chose Covenant to build our home. With all the issues with contractors and workmanship.these days it was a breath of fresh air to not have to micromanage every aspect of the build. We were able to take one of their existing plans and create our own floorplan that suited our needs. Our only regret was not being able to have Dean as our project manager. Just as an example of how vested this company is on a holiday weekend my other half accidently drilled through a water pipe in the wall. Dean immediately sent the plumber out to help and coordinated the fix with drywall and painters.

Jodi Leisure

1695167237

I had a fantastic experience with Covenant Homes. The final product is far beyond my expectations - beautifully built home. It looks like a custom home! The Covenant team was always very professional and courteous - and most importantly, the team communicated exceedingly well. Unexpected issues arise in every construction project, however, Covenant’s communication and efforts to minimize delays while maximizing quality was outstanding. They were always honest with me and helped me keep my expectations realistic. I will absolutely use this builder again - 5 out of 5 stars all day long!

Darrell Lakey

1661875004

We have been in our custom Covenant Home for 2 years In Clearwater. We’ve had a few issues come up and they fixed them promptly at no cost to us. They stand behind their work! I would build with them again. They are a class act.Thank you !

m C

1655483127

Covenant Homes recently built my family an AMAZING home in the city of Dunedin and I can’t say enough about the actual experience!Like many families, we struggled with the very tough real estate market in Tampa Bay. We had a lengthy discussion with our realtor to see if building was an option and determined that it would be a good fit. During our research process, we stumbled across Covenant Homes and set up our fourth meeting with a builder to see if they would be able to help us get exactly what we wanted. We quickly realized that we were exactly where we needed to be, and we no longer had to settle on homes that didn’t 100% fit our needs.Covenant was able to articulate the entire process from start to finish and even assisted us with finding a perfect lot in the location we desired. They’re a family-owned business and provided a white glove treatment that was unmatched. While most builders will tell you to buy everything so they can make more money, Covenant was able to let us know where spending more money made sense based on our needs and what the benefits were, while steering us away from upgrades that weren’t necessary as many of their standard options are more than sufficient.The amazing recommendations and their prompt responsiveness really took an enormous amount of stress of our backs. I was able to pick up the phone at any time with any questions and John & Dean were able to get me a quick answer and treated me with nothing but respect. Even after we moved in, they’re still checking to make sure we’re happy and if we need anything. I’d highly recommend taking a meeting with Covenant if you’re looking at building as an option and have recommended them to friends and family.Thanks again to the entire Covenant team as you were a joy to work with!

Surfinturfer

1635372139

This was our forth new-construction home and our first with Covenant Homes. This builder took us completely by surprise in terms of customer service, quality, responsiveness, and downright honesty. They were up front from the start regarding timelines and expectations throughout the build process. Dean and every person in the various crews were professional, courteous and focus on you in the moment. They listen. There was a continued, genuine interest in providing top-quality work, while assuring the details and modifications to the house were installed exactly as we wanted. We would certainly build with Covenant Homes again and give our highest recommendation.

Bill Brennan

1635071219

The team at Covenant Homes built our new home and we couldn’t be happier! They were with us every day, every step of the way. Their professionalism, responsiveness to questions, along with constant updates of our job, were wonderful. Great people, honest, forthright and caring, they’re the best! If you’re building, do yourself a favor, use Covenant.

Gabriela Brandl

1611097791

Charles Fite

1609782273

Awesome

Darrell Lakey

1603975815

Covenant Homes just completed our dream home in Clearwater. Dean and Dean were the best. Very professional and answered all our questions and built a beautiful home we are very proud of. Please call them and talk to Dean about your dream home. They will fulfill your needs and wants in a timely and caring manner. They all are committed to pleasing you and delivering and superior home. Thanks guys!!

Mela Santa

1579560684

My husband and I just moved into our new home about a month ago. I find it difficult to express in words just how happy we are with Covenant homes. They have been upright from the beginning all the way thru. I give the glory to the Lord as how He has used Dean and all his team to bless us thru this time. They’re work is and has been done with excellence from beginning to end and have made this a wonderful experience for us. Thank you Covenant homes and May the Lord increase you according to His will!

Katrina Rains

1579047220

We had a great experience with Covenant Homes! This was the first house that my husband and I have built so going into the process, we didn't know what to expect and we had some worries. Covenant made the experience easy and they were there to help with anything we needed. Our home turned out great and we have gotten many compliments. Even after our home was completed, Covenant was there (and still is) to help with any issues that arise. We enjoyed working closely with Dean and John and would recommend Covenant Homes to anyone looking to build a new, beautiful home!

William Faulkner

1577482426

We moved into our new home in October and truly have nothing but positive feedback for Covenant Homes! From day one of construction through the final stages AND small issues after occupancy, I can honestly say we HIGHLY RECOMMEND this company!

Ryanjess Jonesoubre

1576528199

The entire process was smooth and lovely . Dean and his team are a true delight to work with and bring a sense of family to a seemingly stressful process .

Lisa Henderson Harris

1575655215

Everyone was so helpful and responsive throughout the process! From the beginning Christina was friendly & informative and helped with every facet of the contract. From there, Dean was a pleasure to work with on the details of the buyer's needs & preferences to ensure that the house turned out exactly as desired! Paul is very happy in his beautiful new home! Thank you to the Covenant Team! Lisa Henderson, Realtor

Steve Baker

1571579939

When we decided to build a home we heard many stories from people that made us nervous. You know I’m sure. We met with 3 builders including Covenant. It was an easy decision to go with Covenant. Both Dean and David met with us several times before we started the build and through the whole process they were always available to answer even the most mundane questions with grace.No build is without some issues and Covenant addressed issues quickly every time. We made a few changes along the way and I cringed some thinking there might be a charge. Covenant made changes for us without question when they were reasonable.We are extremely happy with our home built by Covenant! If we were ever to build another home I would only work with Covenant… But we are pretty happy with this one so I don’t think it will be for a while. 😊Steve and Ildiko Baker

Greg Gotling

1568745773

Covenant completed our beautiful home in July 2018. They cared about providing us with a product that equaled what they would provide for their own family. Dean responded quickly and fairly throughout the process to all our questions and concerns as well as supporting us after we moved in. Since July 2018 we have purchased another home from Covenant and have just referred a couple to them to build the couple their home. That is the true testimonial of the trust and confidence we have in Covenant.

Gene Ellis

1562624274

Covenant Homes built a guest house and gazebo for us in Clearwater. The architecture and style blend in perfectly with our main house. Our neighbors and even passersby frequently stop to admire and then to comment favorably on both the structures and the landscaping. We are now relaxing and enjoying our new additions. Thank you, Dean, and especially John!

Steve Jarae

1562167700

The Team at Covenant Homes recently finished building our dream home. We just love it. Building a new home on an undeveloped lot always comes with delays and "speed bumps", it is how these challenges are dealt with that separate a business from the rest of the pack. The Covenant Home Team, was always thoughtful, caring and truly wanted us to be happy with our new home. I strongly recommend Covenant Homes and would certainly use them again.

Lynn Reduzzi

1561746458

We had our home built in 2015 and working with Covenant and Dean was a very pleasant experience. One of the thing that stood out about this builder for example there was a wall in one of the bedrooms that did not have equal space on both sides of the window and Dean had this corrected even though the plans where like this when he saw it he said it looked wrong and wanted the wall moved to match the other side. This told me that he cared about the quality and look of the house that he was building. If I build again it will be with Covenant Homes.

Alan Harl

1561383570

This builder does excellent work and quality turn key home. I highly recommend this builder for a Florida home

Richard Cantelmo

1561139303

We began our process of have a new home built in late 2016 with the purchase of some acreage in East Pasco County. The realtor who helped us with the land purchase recommended Covenant Homes to build our home.. We met with David and Dean Williams a number of times in those early days. They helped in many ways to insure the property was within County regulations and and fit our desired home plan. Dean and David were always available for questions and good advise. We have built a few homes in the past. This home took a little over a year to build and everything went very smooth. And a major question most home buyers worry about, does Covenant Homes take care of issues after the Certificate of Occupancy, and the answer is a resounding, yes! All issue were minor and resolved immediately. We love our home and would recommend Covenant Homes without hesitation to everyone.

René Johnson

1561123671

I have been living in my Covenant Home for a year and a half. I absolutely love it! It was the first time I built a home and many people warned me about the headaches building brings. Not so with Covenant! Dean Williams and his entire team are top notch professionals and walked me through every step. Even last minute changes that I made were never a problem. I highly recommend Covenant Homes!

Min Stevenson

1561115142

My husband and I never built a home before, nor own one, so it was a new and unfamiliar experience for both of us. We were in great hands with Covenant Homes. Dean was so patient and helpful in guiding us through the whole build process, design, fixtures, etc. You truly get honesty, quality, and professionalism when you work with Covenant Homes!

Kate Burton

1561086156

A year ago, Covenant Homes built my retirement home in lovely Dunedin. They were exceptional to work with, guiding me through the process and many decisions while assisting me in realizing my 'vision'. Dean exemplifies professionalism and his integrity and kindness are unmatched. Thank you all for the experience and my beautiful home!

Ryan Jones

1561055412

My wife and I used Covenant Homes to build our first house and it was a great experience. Being new to the whole process we had many questions and learning curves which everyone at Covenant Homes helped with. Dean and the entire crew are awesome to work with.

Tobey Burwick

1561053973

Could not be happier with the house Covenant Homes built for my husband and me in Dunedin, FL. Fabulous to work with and followed through beginning to end and way past the occupancy. We had builders in the past and were wary but the Williams family and those working for them are as ethical and they come. And, equally as nice!

Tom Marth

1560827361

After interviewing 3 different home builders in our area, we chose Covenant Homes. They gave us a very competitive bid. We liked that they were a family owned and operated company. We were not disappointed with our choice. We found them to be very flexible and accommodating to work with. They always strived to satisfy our requests. Their workmanship was high quality and they stand behind their work. They were always fair and honest. We are very pleased with the quality of our new home. We would not hesitate to recommend Covenant to build your next home.Tom and Pam Marth

Adam Taylor

1532359769

I have had the honor of working with Christina and Dean on several occasions and have found them to be exceptionally nice people. I've photographed several of the homes that they've built and can honestly say that I'm very impressed with the built quality and design of every home I've been in! When I'm ready to have a home built, I will definitely be asking Covenant Homes to build it for me! Very highly recommended!