Katherine, Home Buyer in Los Gatos, CA

Hi, I was wondering where to start when trying to build a house in Los Gatos, Ca(most likely mountains near Skyline Blvd.) or in Woodside, Ca

Asked by Katherine, Los Gatos, CA Sun Oct 7, 2012

If anyone knows any reliable contractors in the area, ect that info would be welcomed. Also does the land have to be completely paid off before we can obtain a construction loan? thanks.

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Darren Wilfo…, Agent, Los Gatos, CA
Fri Jun 21, 2013
Step 1. Purchase the land using a qualified REALTOR that understands the local zoning ordinances and development process.
Step 2. Use an architect to design your home.
Step 3 Use a reputable contractor.

Steps 1-3 are usually best found by personal referral. If you have none call me for a selection of the best.

Construction are obtainable with a current mortgage. There is a significant cash in by you in order to qualify for a construction loan. You have to prove the home will be worth 25% more than construction costs upon completion. A qualified REALTOR can help you with that as well.

Patience is always required in development projects. I wish you the best.
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Leili Mortaz, Agent, Campbell, CA
Sat Jun 1, 2013
Have to implemented your plans!? Are you a very patient person!? Give yourself 3 years of fight with the Planning Commission of Town of Los Gatos.

And God Help you!
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Craig Jelin…, Agent, Los Gatos, CA
Sat Jun 1, 2013

Have you found a reliable contractor. There are several that specialize in hillside design and construction. You wna to make sure that they can work with the building department and engineers to get your project approved. You do not have to have the land paid off. There are lenders who will "bundle" your land and construction loan. Upon completion of the build, after you get final sign-off, they will roll your construction and land loan into a conventional mortgage.

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John Harriman, Home Buyer, Los Gatos, CA
Thu Dec 27, 2012

My wife, Barbara Harriman, and I are real estate agents who live in the mountain community of Las Cumbres off of Skyline Blvd. There are 120 lots up here. Most have been developed but we are listing one of the last undeveloped lots in the community. We've lived up here for 17 years. It's a wonderful, close-knit community. Teleco, electric and water are already available for this lot. A septic plan has been delivered to the county planning department (needs to be renewed). Come for the lot. Stay for the wonderful community. Please give us a call. This is a rare opportunity.

John Harriman
Coldwell Banker
Mobile 408-332-4780
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Terri Vellios, Agent, Campbell, CA
Mon Oct 8, 2012
I suggest you review each area's building permit process. You will most likely be dealing with septic and wells. How much land you need in order to have those services to your home, along with propane and pulling electricity.

Once you decide with city fits where you want to live and will allow you to build what you want, then connect with a local contractor who has built in that community. You could do this first, but you would need one who knows both or one for each area. That person will have the knowledge and resources to help you through the steps.

Then you will look into purchasing the land. When you buy land you have a feasibility contingency and with the knowledge of what you can and want to build you will be able to make a more informed purchase decision.

Have an amazing day!
Web Reference:  http://www.terrivellios.com
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mab1300, Other Pro, Closed, CA
Mon Oct 8, 2012
Hi Katherine,

I would start by making a sketch of what you want to do, then 1) contact a good architect to discuss the project and 2) make a trip to the county building department to find out some general information about what is feasible and what their process is.

I've personally used Stu Alderman - apbarchitects.com. My clients have used him as well and he is great to work with. His offices are in Austin, TX but he does lots of work here in Los Gatos and charges less than many California-based architects.

Good luck with your project. Sounds like fun!
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Mitchell Pea…, Agent, San Jose, CA
Sun Oct 7, 2012
Do you already own the land? if so, what are the current terms of financing? What will be the total loan you are considering? Total loan makes a difference in where you can go for financing. That is why I ask.

Before marching off to get a construction loan, have you done your homework regarding whether you can get a permit to locate the home you want to locate on the site? This is the first place to start.
it is where I start when investigating whether to buy a site when I am thinking of putting a home there.'

Los Gatos area has several areas with restrictions you need to know about before spending any real money.

I suggest meeting you over coffee or tea to give you an overview of the process. I've represented land in Los Gatos and know the process fairly well. Santa Cruz county differs from Santa Clara county in its land use formula. The Santa Cruz formula is much more complicated and is designed to prevent development in the mountains. So be forewarned. My phone number is 408-639-0211. My email is mitchell@handsonrealtor.com

Mitchell Pearce
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Tom Rollett, Agent, Los Gatos, CA
Sun Oct 7, 2012
Hi Katherine,

Please contact me and I can recommend some reliable contractors. And generally, the land and construction loan can be wrapped with about 50% down.

Tom Rollett,
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