Ask Elissa<br><span>(610) 348-7796</span>
Ask Elissa
(610) 348-7796

The Kay Builders Blog

Blog Category - News

New Lots Released: The Fields at Indian Creek

Categories: Blog, News, The Fields at Indian Creek | Posted: April 17, 2018

Kay Builders is excited to announce the release of New Lots at The Fields at Indian Creek. Featuring a lush landscape with mature trees, manmade trails for walking or biking and majestic views, The Fields at Indian Creek is Lehigh Valley’s Premier Active Adult Community. Located primarily in Upper Milford Township, the community is within walking distance of downtown Emmaus. Shopping, dining and recreation are within reach of this low-maintenance, convenient setting.

Our CUSTOM-i-ZABLE homes offer flexible floor plans to meet your changing needs. Entertaining your guests in style with modern layouts, open-concept living and gourmet kitchens to name a few. The homes you help design are big on amenities and customization capabilities, value priced so that you can have what you want and still afford life’s little luxuries.

You will be mesmerized by our three Fully-Decorated Model Homes, designed with you in mind. Each home showcases a different floor plan, allowing you the chance to decide for yourself what is most important to you and your new home!

If you are ready for less maintenance home, you can customize in a tranquil environment just steps away from enriching activities come to The Fields at Indian Creek. Enjoy more leisure time in a community crafted just for you. It’s your time.

To see our photo gallery of our beautiful model homes, click here.

Have You Heard?

Categories: Blog, News, Press | Posted: September 1, 2017

If you haven’t read the newspaper or seen this article on, now is your chance. Not only will this development be monumental for Kay Builders, but for the entire region!

For six decades, Kay Builders Inc. has been an influential part of neighborhoods in Allentown and across the suburbs of the Lehigh Valley. In 1961, founder Dick Koze quickly established a reputation for excellence as an innovative new home builder in the Lehigh Valley among his peers and the three generations of satisfied homebuyers who enjoy a quality built, customized home or townhome. With twenty-nine communities to its credit, this innovative, award-winning builder is the choice of many who have come to call the Lehigh Valley home. Now owned and operated by son Rick Koze, this third generation builder uses the same skills and principles that made Kay Builders a home building success early on. Rick grew up in the construction business, earned an economics degree from Yale University and had a 20-year career in finance before taking the helm at Kay Builders in 2002. He brings with him the perspective of the contemporary home buyer along with business experience and acumen. Rick and the Kay team, with their years of work in the Lehigh Valley, know the best land and locations to build new single, townhome, twin and active adult communities.

As a family-owned and operated business, Kay Builders eliminates costly managerial layers between builder and customer. With a lower cost structure, we are able to deliver a customized home with many included features at a good price while using materials and building methods that exceed industry standards. You will receive personal assistance from senior members of the Kay Builders Team.

Flexible zoning in South Whitehall landed massive Kay Builders development

By: Sarah M. Wojcik
Contact Reporter of The Morning Call

When sketch plans for 810 singles, twins, town homes and apartments came across the desk of South Whitehall Township planners, it didn’t go unnoticed.

“I don’t think the township has ever seen anything like this on this scale,” said South Whitehall planner Gregg Adams. But the enormous Ridge Farm, proposed for 190 acres along Cedar Crest Boulevard between Walbert Avenue and Huckleberry Road, isn’t just big for South Whitehall.

It’s big for the entire region, according to Lehigh Valley Planning Commission Executive Director Becky Bradley. “That’s the type of scale of development you’d see in Las Vegas during the housing boom,” Bradley said. “It’s absolutely a big deal.”

Kay Builders has been a part of many big projects, but President Rick Koze said Ridge Farm, which would also include retail space, would be the company’s largest yet. The land was purchased through a competitive bid about 10 months ago after years of discussions with the landowner, according to Koze. Ridge Farm Partnership and Jeras Corp. were listed as the owners on a township legal notice with Kay Builders as the applicant.

“It’s one of the better locations in the whole area,” Koze said. “What we’re planning would ultimately be a very diverse offering.”

It’s the kind of walkable, mixed-use community that has been lauded by urban planners and said to be preferred by 56 percent of millennials and 46 percent of baby boomers, according to a 2016 report by the New York-based Regional Plan Association.

The only development in the Lehigh Valley underway of similar style and scale is Madison Farms in Bethlehem Township, which when finished will comprise 837 apartments, single-family and town homes — as well as ponds, walking trails, open space and a dog park. In addition, the development’s 153,000 square feet of retail space is already completed and occupied.

While the stellar school district and access to major Lehigh Valley highways make the site attractive, Koze said it was South Whitehall’s forward-thinking — and recently revamped — zoning rules that were the big seller. South Whitehall’s latest comprehensive plan permits zoning features and overlay districts that promote walkable communities as part of the township’s vision of village clusters.

Kay Builders’ plan, which was first floated before the South Whitehall Planning Commission in May, calls for a traditional neighborhood development residential cluster on about 129 acres and various subdivisions on the remaining 61 acres.

The cluster would consist of 189 single-family homes, 100 twins and 216 apartments in six three-story buildings. There would also be four four-story mixed-use buildings with 75,000 square feet of ground floor commercial space topped with 219 apartments. A community clubhouse and village plaza would fill out about 13 acres, leaving about 27 acres as common open space, according to the preliminary sketch plans.

The remaining parcels would include seven single-dwelling lots of at least 80,000 square feet a piece and six single-dwelling units on at least 1 acre each. A 25-acre section would be subdivided to make room for 72 twins and a single dwelling on lots of at least 8,400 square feet. Kay Builders seeks to rezone the remaining 6.9 acres for general commercial to include two buildings totaling 45,000 square feet.

The plan would require Kay Builders to win conditional use approval, partial rezoning and land development approval. But right now, Koze is only looking for guidance from the Planning Commission on whether it would be worth it to move forward with the idea and submit a more detailed plan.

Koze said he decided to give the ambitious and varied concept a shot because of South Whitehall’s recent zoning changes and vision.

“As a developer you don’t want to fight too many uphill battles,” Koze said. “The current zoning in a lot of townships doesn’t allow for the flexible mixed-use development. There’s few places where they’ve been forward thinking and they’ve allowed it. South Whitehall is one of them. That’s very attractive to a developer.”

‘Synchronicity’ in South Whitehall

Though approval is months, if not years, away and any construction in the Ridge Farm’s eight-phase plan is even further out, its location along the suburban Walbert Avenue corridor comes as other projects are moving forward. One of those, the 249-home Jaindl Land Co. and Toll Brothers project known as the Hills at Winchester, is on the cusp of construction.

Another potential project, this one by Pennsylvania Venture Capital, is near Ridge Farm on a portion of the Grandview Cemetery property at 2735 Walbert Ave. The developer is looking to pursue zoning change for the 8 acres west of the cemetery in the hopes of getting the green light for denser housing.

None of these projects will be finished simultaneously, but there’s no denying that the timing will keep South Whitehall staff busy. The last time South Whitehall doled out 100 permits for new housing was in 2006, according to township community development manager Gerald Harbison. These projects have the potential to bring back those large numbers.

“There’s kind of a synchronicity to these projects which has them all happening right now,” said Adams, the township planner.

Koze’s comments on the appeal of South Whitehall’s zoning laws tells township leaders their message is getting across, according to Matthew Mulqueen, a member of the South Whitehall Board of Commissioners.

“We want growth,” Mulqueen said. “We want people to do what they want with their land, but we want to make sure it’s smart growth, long-term growth.”

Township Commissioner President Christina Tori Morgan said it’s important for residents to realize the considerable behind-the-scenes work that goes into these projects to ensure they don’t create serious hardships for the community.

“These things take a lot of time. People get concerned that this can all go up overnight. That’s not going to happen,” Morgan said. “There is a lot of strategic thought in how you’re going to do this in a smart way.”

Traffic will be a chief concern. The area is just north of a heavily traveled section of Cedar Crest that includes the Target- and Weis-anchored Crest Plaza Shopping Center on the west side and office buildings on the east side. With PennDOT in charge of Walbert and Cedar Crest Boulevard, Harbison said the traffic studies will be comprehensive.

Koze said he’s nearly done with the preliminary required traffic studies and soil testing for stormwater management work — the two most serious hurdles to any project.

Morgan said the public, too, will have their say.

“We’ll definitely have meetings on this,” she said. “We want the public to be a part of it.”

Koze agreed that he’d want to hear from residents to see if there are any concerns he can address.


What: Mixed-use development of 810 singles, twins, town homes and apartments and 120,000-square feet of retail space proposed by Kay Builders.

Where: 190 acres along Cedar Crest Boulevard between Walbert Avenue and Huckleberry Road in South Whitehall.

Status: Sketch plan presented to get input from township Planning Commission

Homes are Blooming at Trio Fields

Categories: Blog, CUSTOM-i-ZABLE, News, Trio Fields | Posted: April 7, 2017

Spring is here and your fresh start awaits! Everything is blooming at Trio Fields. Trio Fields, located in Nazareth, PA features designer Townhomes and elegant, well-appointed  Singles.

Whether you are a first time home buyer or looking for a first floor master, Trio Fields is the community that encompasses it all!

Offering a wide range of CUSTOM-i-ZABLE floor plans, you are sure to find a home that meets your lifestyle, needs and desires. Trio Fields is a 110- acre community set along the countryside. The development is surrounded by lush trees, open sights and offers vivid views of the Blue Mountains. The serene atmosphere at Trio Fields is the perfect setting to relax and unwind.

Just minutes away from the community, you can enjoy modern conveniences such as shopping, dining and entertainment. Close to New Jersey, New York and the Lehigh Valley, visiting family and friends is now easier than ever! With connectivity to many of the major highways, you have the freedom to travel as you so choose.

Currently, Trio Fields has several Move-In Ready Homes for you to call your own! With incentives such as Included Basements, Savings up to $80,000 versus the competition, and flexible floor plans, there is no denying Trio Fields is the place to be.

Once complete, Trio Fields will feature 221 townhomes and 153 single family homes. Kay Builders takes pride in keeping with the area feel and focus on homes that are aesthetically sophisticated but varied in style so our communities have a distinct look and feel. To find out more about Trio Fields, visit us on the web.

We have a variety of townhomes ranging in size from 1,743-1,962. With attached garages and backyard decks, these options are sure to please. We also have available single homes: a first-floor master and/or ranch home and traditional style homes as well. With functional floor plans and stylized finishes, these Quick Delivery Homes will not last long!

To learn more about Trio Fields and our Quick Delivery inventory, click here or call our Sales Manages, Linda Minnich or Paul Dougherty to set up a tour at (610) 365-8746.


The Lehigh Valley’s Very Own Velodrome

Categories: Blog, News, Press | Posted: August 16, 2016

IMG_0010With the 2016 Summer Olympics in full swing, many Lehigh Valley dwellers are unaware of what is in their backyard. The Valley Preferred Cycling Center, better known as the Velodrome, is home to the ‘premier cycling series in North America’. A racing track for cyclists, unlike any other in the world, is located in the Lehigh Valley’s very own Trexlertown.

Throughout the year, the Valley Preferred Cycling Center hosts thousands of Olympian hopefuls as they train and perfect their sport. International cyclists included are among those who frequent the Velodrome to prepare for the Olympic Games.IMG_0015

Having just recently visited the Velodrome for the first time, it was truly an eye-opening experience into the world of competitive cycling. As we watched the youth training session take place, it was exciting and inspiring to see the passion in their eyes. Knowing that those competing in Rio at this very moment were once training on this concrete path, was probably a thought going through the minds of these children. Not only was it wonderful to witness, but the feeling you got as you entered the arena was like no other. Dreams are made here and you could get that sense immediately.

The Velodrome, also referred to as T-Town by avid cyclists, offers year round events. Whether you’re in the market to host a company-wide team building session, or looking to watch professionals train, there is always something to do! You can check out the their calendar of events here!

IMG_0018As a non-profit organization, this one-of-a-kind facility is reliant on local sponsorships and neighboring support. Kay Builders is proud to be one of those sponsors, allowing programs such as the Valley Preferred Cycling Center Junior Performance Academy to train our youth. We are honored and privileged to have such a highly-respected establishment located in the Valley and look forward to contributing to their efforts for years to come.

OSC: Online Sales Concierge

Categories: Blog, News | Posted: July 21, 2016

Amanda Schuler - Production / MarletingDid you know that Kay Builders has an Online Sales Concierge program? If you’re unfamiliar with this term, Online Sales Concierge or OSC, is a service provided to you, the customer, to assist in your search for a Dream Home. Whether you want to learn more about our company’s practices and history or you need assistance in choosing which community you’d like to visit and floor plan best fits your needs, our OSC, Amanda, is here to help!

Having the luxury of knowing someone will respond to your emails and phone calls in a timely fashion is our goal!

From the initial contact to the day you close, Amanda will lead you through the buying process and even put you in touch with our Preferred Lender, Steve at The Mortgage Company. If your looking at a Conventional Loan, FHA or VA loan, we can get you on the right track!

Amanda joined Kay Builders in 2014 as a key asset on the Production team. Working directly with sub-contractors, it is a part of Amanda’s duties to make sure homes are built to perfection. More recently, Amanda has shifted part of her time into assisting the Marketing Team. With a strong background in home sales, Amanda was elected to become the OSC because of her strong knowledge-base about Kay Builders and her dedication to selling homes.

You can learn more about Amanda on our The Kay Team page located on our website. You can also find useful information regarding all of our communities located in The Lehigh Valley.

Meet ‘Ask Amanda’, Our Online Concierge

Categories: Blog, News | Posted: April 14, 2016

Screen Shot 2016-04-14 at 3.02.11 PMInterested in learning more about our communities and the homes we build throughout the Lehigh Valley? Call Amanda! Have questions about building a New Construction Home and the process it takes from start to finish? Call Amanda! Our Online Concierge Program is here to help YOU!

Building a home from the ground up does not have to be a daunting task. In fact, it can be quite rewarding! We at Kay Builders have the staff in place to assist you every step of the way.

As a local, family owned business, Kay Builders is dedicated to making your experience as seamless as possible. From your initial call to the day of settlement, we want you to feel good about your decision to build with Kay Builders. With the Online Concierge Program set in place, you will be able to get your questions answered in a timely fashion. Not sure what you’re looking for and how to even begin? Amanda will be able to guide you and assist in getting the ball rolling.

About Amanda:

Amanda joined Kay Builders in 2013 as the Production and Marketing Coordinator. She is very involved in the home buyers process helping buyers select all their interior and exterior colors and options as well as an being a big part of the Marketing team organizing events and spreading the news about Kay Builders. Recently, Amanda has taken on the role of Online Concierge. Amanda is originally from Alabama and spent 3 years in the Army. After she served her country, she obtained her Real Estate License in 2004 and has been helping clients find their dream home since then. Being a part of the Marketing team is something new for Amanda and she is looking forward to learning more and helping grow the company!

To learn more about Kay Builders and their employees, log on to our website and Meet The Team!

We look forward to helping you build your Dream Home!



Kay Builders is proud to introduce The Fields at Indian Creek

Categories: Blog, News, The Fields at Indian Creek | Posted: March 21, 2016

No Background IC LogoKay Builders is excited to unveil its newest community, The Fields at Indian Creek in Emmaus. Spots in this premier active adult community are going fast, and the builder only just started signing contracts. This brand-new 55+ development will feature 218 single homes; a luxurious 7,800 square foot clubhouse, several miles of walking trails along the Liebert Creek and 11 new customizable floor plans designed for active adult living.

Groundbreaking on this bucolic community was held Jan. 25, and future residents are already staking their claim.

“We are very excited about the overwhelming demand for this spectacular community and are looking forward to making everyone’s dreams come true,” says Brian McKendry, Kay’s vice president of sales and marketing.

Offering scenic vistas of South Mountain, this development will offer incredibly convenience access to amenities. Literally footsteps away, a walking path and footbridge will provide access to the shops on Chestnut Street. The Lehigh Valley Hospital, Camp Olympic Park and quaint downtown Emmaus are each just a mile away. The Fields at Indian Creek is unique because it is so close to everything, but is also one of the most picturesque properties in the area.

As work progresses on the property – which is being constructed on a former golf course – some trees will need to be removed. Owner Rick Koze says “We work as much as possible with the existing landscape…most developers will clear cut trees from the entire site; that’s never been our approach. Koze says Kay is focused on preserving as much of the property’s topography – including trees, natural resources and environmental elements – as possible.

In the spirit of that environmental stewardship, one of the trees the builders needed to remove was donated for the Emmaus Borough’s annual holiday celebration and was displayed in the center of the town.

This private enclave of single homes, which start at $290,000, has been described as “lavish”. The 7,800-square-foot clubhouse will serve as a hub for events and activities; outside amenities will include fire pits, a pool, a bocce court, pickle ball, dog parks, water fountains and a variety of hardscape-appointed outside lounge areas.

Inside the clubhouse is a large ballroom to host large events. It will also feature a state-of-the-art gym and aerobic exercise area, large fireplaces, an indoor lounge area and many private rooms for individual activities.

All of the floor plans were developed over the past year and include a mix of tried and true features, plus many new design features that have not yet been integrated into plans serving the active adult market. Buyers will have a choice of adding a basement or second floor and will have a choice between a walkout basement, daylight basement or slab on grade.

Daggerwing I

Kay Builders is known for choice and flexibility, and these will be hallmarks of The Fields at Indian Creek. All floor plans are CUSTOM-i-ZABLE, meaning walls can be moved, kitchens redesigned, bathrooms added or deleted and more. Kay is also relaxing some of the restrictions that typically encumber active adult communities. Certain forms of gardening and landscaping will be permitted in backyards and residents will have more flexibility to add decks or patios.

The Fields at India Creek will features a lush landscape with mature trees, majestic views, 39 acres of open space, preserved areas and manmade trails for walking or biking plus a spacious activities clubhouse, where you can catch up with neighbors and meet new ones. When complete, benches and distance indicators will mark the trails satisfying both relaxation and fitness goals. Residents can also fly fish or enjoy the tranquil waters of Leibert Creek, which runs through the property. And for those who enjoy a challenging hike, the woodland trail in a small community just across the road takes you to Camp Olympic Park.

For six decades, Kay Builders has been an influential part of the Lehigh Valley homebuilding scene. With more than 35 communities to its credit and six active local communities, this Lehigh Valley-only builder is the choice of many who call the Lehigh Valley home.

Come visit The Fields at Indian Creek at the onsite sales center and see how this is truly a community like no other, or call 610-928-0555 for more information or to arrange an appointment.

Kay Builders Introduces Blue Ridge Chase in the Saucon Valley

Categories: Blue Ridge Chase, Community News, News | Posted: March 1, 2016

PrintBlue Ridge Chase is Kay Builders newest community in the Saucon Valley. This private cul-de-sac will feature 19 New Single Family Homes CUSTOM-i-ZABLE to suite your lifestyle needs.

Whether you are looking for a First Floor Master, 2-Story or Ranch style homes, we have many options available in this community that you change, re-arrange and create to make the perfect place to call home.

This new community is located minute from numerous community parks and the local shopping district including The Promenade at Saucon Valley.

The Upper Saucon area is linked to the regional transportation network by three major highways – Interstate 78, PA Route 309 and PA Route 378. Route 309 runs through the center of the Township and provides a direct link to Quakertown, Philadelphia and other Bucks County and Montgomery County communities to the South. Route 378 runs north and eventually meets US Route 22 in the City of Bethlehem.

The rolling hills and farmland that characterize the Township and its convenient location makes Upper Saucon a very attractive place to live for those wanting both a somewhat rural atmosphere but also access to metropolitan amenities.

IMG_5856-Low-ResKay Builders will feature 22 different floor plans that are totally CUSTOM-i-ZABLE. Located in the Southern Lehigh School District, these large home sites will have public and water and sewer, poured concrete basements, choice of masonry facades, underground utilities, 9′ ceilings on the first floor, ceramic tile floors, Corian countertops and much more.

Special customized options include plan revisions and expansions, brick patios, finish basements, decorative block and much more. 

To find out more about Blue Ridge Chase and all the of the current Kay Builder communities, please log on to our website at



Kay Builders is Excited to Be Building Our Clients Dream Homes in 2016

Categories: News | Posted: January 8, 2016

Kitchen with High CeilingsKay Builders is Excited to be Building Our Clients Dream Homes in 2016! The warmer end-of-year months made it easier for home buyers to tour our communities, see the homesites that were available and then begin picking out their selections with our Design Specialists while customizing their homes with our Architectural Design department.

Building a home with Kay Builders is almost like having a clean slate to design every functionality and décor accent that you have always dreamed of in your home.  Unlike a cookie cutter builder, we appreciate that everyone likes to add their own charm and flair and make things specific to fit their lifestyle. With over 6 Decades of experience building homes, we understand what the homebuyer is looking for and how Custom-i-zable options make it special.

Sales-MeetingOur Sales Team saw a record breaking month in December with so many homebuyers wanting to build with Kay in the Lehigh Valley. We are aggressively gearing up with more manpower to continue building communities our buyers love to call “Home”. Whether you are looking for a Single Family Home, Twin Villa, Ranch, Twin Villa Ranch or and Active Adult Lifestyle home – we have 5 communities located in the Valley to suit every lifestyle.

We understand that not everyone is familiar with building a new home.  There are a lot of decisions and choices to make, which can be exciting and challenging. Our dedicated and knowledgeable sales team will guide you through every part of the process. We’ve worked with hundreds of buyers and helped them with everything from picking out their homesite to suggesting the best color to go with for countertops to match their cabinets. We take pride in making sure new homebuyers have an air of excitement when they see their home finished from top to bottom.

Trio ModelWe invite you to visit one of our fully furnished models at one of our communities in Breinigsville, Nazareth, Emmaus, Alburtis and Allentown to see the design, detail and craftsmanship that comes with building a new construction home with Kay Builders.

To find out more about our communities including Floor Plans, Site Maps, and Photos, please log on to our website at



The American Dream is Alive in PA

Categories: News | Posted: September 17, 2015

lancaster cutKay Builders (Kay) has been serving the Lehigh Valley exclusively for nearly 60 years. Kay is the largest residential homebuilder and developer in the Lehigh Valley having constructed over 3500 homes and 30 communities. The company has led the Lehigh Valley in terms of homes settled in each of the last three years. Kay is actively selling six communities and has seen strong interest from out of state buyers over the past two years.

Three Communities.  Currently, Kay Builders has three communities that appeal to the first-time buyer: Laurel Field, offering affordable townhomes starting at $215,000 and Trexler Field, featuring innovative twin villas from $258,000 both in Upper Macungie Township (Parkland School District) and Trio Field in Lower Nazareth Township (Nazareth School District) with townhomes starting in the $230’s.

Laurel Field, Trexler Field and Trio Field, have a very competitive price point and are perfect for first-time buyers. New buyers are attracted to these communities for their location, handcrafted quality, superior curb appeal, CUSTOM-i-ZABLE floor plans and upscale finishes.

With Kay Builders CUSTOM-i-ZABLE approach, suggested floor plans are merely a framework to get the building process started. Customers have the freedom to move walls, re-arrange traffic flows, move bathrooms, add or expand rooms, finish basements and put lights and outlets just where they want them. For every customer, the options are limitless. And because of Kay Builders proprietary pricing system and low cost structure, the company is able to provide this benefit at prices that are unmatched in the industry.

buying-a-homeWhy the Lehigh Valley? The Lehigh Valley offers many benefits to potential homebuyers.  First and foremost, it is one of the best locations in the northeast, as it is within commuting distance to most major metropolitan areas and all parts of New Jersey.  We have begun to see an influx of buyers from New York State, and all parts of New Jersey.  Many have recognized the great values of new construction in the Lehigh Valley and of course, taxes are much lower while the strong public school systems offer a great alternative to more costly private schools.  Recreation space and open space is abundant while lot sizes tend to be a bit larger so you have plenty of room for your daily activities.   But what some people don’t realize is that the Lehigh Valley is a vibrant and growing area having many activities that appeal to younger buyers and those seeking to start a new family.  Many new bars and restaurants, new stadiums for sporting events and concerts, new luxury shopping malls and billions of dollars of new investment in downtown areas of Easton, Allentown and Bethlehem have created a new energy that is hard to find anywhere.

In terms of housing, the current market provides some of the best buying opportunities seen in years.  Home prices are stable to increasing, interest rates remain near all-time lows, Kay Builders is still making deals and the local economy is booming.  As a result, job opportunities are plentiful.

Rental Rates Rising: If you are currently renting an apartment you may have already been hit with rent escalations as the demand for apartments is outpacing supply. We expect rental rates to increase for the foreseeable future. With interest rates close to 4.0 percent and rental rates for apartments increasing rapidly, the monthly payment differential between renting and buying is again heavily favoring purchase.

It is a shame to see people throwing money away on rent when they can be building equity in a new home by taking advantage of the interest tax deduction, low prices and low rates. Owning a new home also offers more privacy and a feeling of comfort and stability that apartment living just cannot provide. The financial stability of a fixed monthly payment is an added benefit.

Low Down Payment: FHA, VA and USDA programs still allow for very little or no down money with excellent rates. Many of our home buyers have been able to get down payments by money gifted from their parents or relatives or have accessed 401 (k) savings, while Kay Builders will pay as much of the closing costs as the laws allow. With a little discipline, one can also save for the down payment.

Now is the perfect time to consider buying. The deals will not get any better and waiting for your current home price to move up significantly, or if you don’t own a home, for values to fall more, is a losing proposition. So get moving.