FAQ

Frequently Asked Questions

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.

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.

Do you have any lenders?

Yes! We are approved with several lenders, please reach out to us for their contact 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.

Do you have a price per square foot?

We would be happy to provide pricing to any of the models on our website; however, price per square foot ranges greatly depending on the design of your home.

Do you have a model home I can stop by?

We do not currently have any model homes but you are welcome to schedule a time to visit any of the homes we have under construction throughout the Tampa Bay area.

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.

Can I make changes to your model?

Yes, we can adjust any of the models on our website OR start from scratch.

Can you build a Mother-In-Law Suite?

Yes.

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 much does it cost to build a home?

TBD

Interested In Working With Us? Get Started Now!

Google Rating

4.9

Based on 35 reviews

Covenant Homes

4.9

Akramer2k

14:39 12 Nov 23

AMillionin1

12:24 03 Nov 23

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

23:47 19 Sep 23

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

15:56 30 Aug 22

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

16:25 17 Jun 22

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!

George M

15:14 23 Mar 22

Covenant Homes built us a beautiful home in Tarpon Springs. We met with a few different builders and what made Covenant stand out was that they actually listened to what we were looking to build instead of pushing us towards what would have been easier for them. They were very honest, transparent, and provided much needed guidance along the way.Their entire team David, Dean, Dean B., Christina, and Amaryllis were just great people to deal with. They were accommodating when we needed to make changes and always worked to correct any issues that came up. They stand behind their work even after we closed on the house. They still check in with us and make sure we have no unresolved items. We are big fans of Covenant Homes and very thankful to have them as our builder. They are great people and would absolutely build with them again.Thank you to Covenant Homes!

Surfinturfer

22:02 27 Oct 21

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

10:26 24 Oct 21

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

23:09 19 Jan 21

Charles Fite

17:44 04 Jan 21

Awesome

Darrell Lakey

12:50 29 Oct 20

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

22:51 20 Jan 20

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!

William Faulkner

21:33 27 Dec 19

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

20:29 16 Dec 19

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

18:00 06 Dec 19

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

13:58 20 Oct 19

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

18:42 17 Sep 19

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.

Katrina Rains

19:27 16 Sep 19

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!

Gene Ellis

22:17 08 Jul 19

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

15:28 03 Jul 19

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

18:27 28 Jun 19

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

13:39 24 Jun 19

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

Richard Cantelmo

17:48 21 Jun 19

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.

Nancy Carney

13:27 21 Jun 19

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

11:05 21 Jun 19

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

03:02 21 Jun 19

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

18:30 20 Jun 19

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

18:06 20 Jun 19

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

03:09 18 Jun 19

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

15:29 23 Jul 18

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!

Saquoia Marie

03:13 31 Dec 17

Home Sweet Home 🏡

17:16 15 Dec 17

23:21 29 Jun 17

00:22 22 Jun 20

08:13 11 Oct 18

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