However, as you can see from the answers below, the solution to your question partly weighs on personal preferences and partly on the value of the home based on your choice of a loft or a bedroom.
A Realtor could tell you whether, and to what extent, a fourth bedroom would add value to the home. A Realtor might also tell you what other homes in the community typically have. And a Realtor wouldn't be quite so reluctant, in many cases, to express an opinion.
Maybe you can design the bedroom with solid french doors that close, so that it can be used as a "bonus room" or "den/office" as well as a fourth bedroom. A builder may be able to help you with an attractive diagonal door option that would work. Just make sure it has a closet -- even a small one -- because without it a Realtor can't describe it as a bedroom when it comes time to resell.
In your case it is probably too late, since you have worked with the builder up to this point, but a Realtor costs buyers nothing and can actually help to get extras from the builder. For example, I know that one local builder will give a washer and dryer to every one of my customers. Another includes certain kitchen upgrades. Without a Realtor, a buyer will not know these things, because they are not offered by the builders upfront. Realtors know which builders have better reputations, which ones work better with buyers, and even which salespeople are the most knowledgeable. Even if none of these things work out, a Realtor can assist you with building decisions that will help protect your real estate investment for your future.
Cheri Ireland, Realtor
Michael Saunders & Company
While a loft is appealing, think about the use. If you're aware of other buyers that have taken the loft option, you might see if contact is possible, and see how (if) they're using it (or, not- could be good info for you).
Good luck in your new home!
It does not surprise me to see that the builder sales rep did not offer their opinion as to which option would offer better resale value for you. The sales rep is there to sell homes for the builder and for as much profit as possible.
The fourth bedroom is a much better option for you when it comes to resale value. I work with buyers on a daily basis and have heard many comment that a loft is a wasted space and would prefer to have the extra bedroom.
Did you know that you can hire an agent to assist you with choosing the right options when you build a home at no cost to you? An agent can counsel you on choosing the right lot, the appropriate finishes for your market and neighborhood and troubleshoot any issues that arise in the building process.
Best of luck with your new home,
Brittany Simonelli, Realtor
Buy. Sell. Understand.
Is your sales rep representing the builder?
Is the sales rep a licensed real estate agent or broker or a Realtor?
If the answer is yes to either of the above questions, then I know who is representing the builder. My question is: who is representing you?
If the property is located in a neighborhood that attracts large families with young children- perhaps having a 4th bedroom would be better for resale purposes in the future.
Buy what YOU like- you will be living in the property.