The simple answer to this question is… there is no difference. Anyone building a home from the ground up or remodeling an existing home is a builder, but any builder can have more expertise in a particular area of home building than others. All builders require the same licensing and certification, regardless of the project for which they are hired.

If you’re in the market for a new home, you should shop for your builder as carefully as you shop for your home. Whether you are buying a condo, a townhouse, a house in a subdivision, or a custom-built house, you want to know that you are buying a high-quality home from a reputable builder.

1. Start your search
2. Take a look around
3. Shop for quality and value
4. Ask questions about service

We provide essential resources, programs and connections to build and grow your business.

We provide dozens of money saving resources for your business.

We work in partnership with local, county and national jurisdictions to improve and cultivate a positive environment for building activity. 

We provide educational and safety resources to keep your business and employees on top of their game.

By being a member, you have access to a network of individuals who do business with one another. 

When you’re thinking about buying a new home, selecting the right home builder is a key step in creating the home of your dreams. You should feel comfortable asking a potential home builder every question that you think is important. And, a professional builder or sales representative will want to make you a happy and satisfied home owner. Learn More

Homeownership has many important benefits for millions of Americans across the country — including creating a sense of community, building wealth and providing financial security.

And, at tax time, homeowners can take advantage of several sources of tax savings, including:

• Deductions for mortgage interest
• Deductions for real estate taxes
• The capital gains exclusion for the sale of a principal residence

Mortgage Interest Deduction

Homeowners who itemize their federal income tax deductions can deduct 100 percent of their mortgage interest payments on a first or second home for up to $1 million of mortgage debt. The Mortgage Interest Statement Form 1098, which homeowners receive from their lenders, shows the total amount of home mortgage interest paid during the year.

Homeowners also can deduct the interest paid on up to $100,000 of home equity loans.

For most homeowners, this means they can deduct all of the mortgage interest they’ve paid on their home each year.

Real Estate Tax Deduction

Homeowners can deduct the state and local real estate taxes they pay each year on an owner-occupied home.

Capital Gains Exclusion

When it is time to sell a home, in many cases homeowners don’t have to pay capital gains tax on the profit from the sale. Under present law, married couples who have owned and occupied their principal residence for at least two of the past five years do not have to pay any taxes on the first $500,000 in profits from the sale of their home. Single filers earn up to $250,000 tax-free.

Additional Tax Savings

Another deduction homeowners may be able to take is for mortgage insurance premiums. Generally, people who purchase a home without putting 20 percent down have to buy mortgage insurance, and those premiums can also be deducted from taxable income.

Even homeowners who don’t use the home as their principal residence and rent it out may be able to enjoy some tax benefits, including interest and depreciation deductions.

Preserving the Mortgage Interest Deduction

Buying a home offers tax savings that can add up to tens of thousands of dollars over several years. Homeowners rely on the mortgage interest deduction each year to help offset the costs of homeownership, and prospective buyers take the deduction into consideration when choosing homeownership over renting.

That’s why it’s important for policymakers to preserve the mortgage interest deduction, which has been included in the tax code for more than 100 years. It supports the aspirations of families at all income levels to become homeowners, and Americans overwhelmingly oppose any action by Congress to tamper with the deduction.

Learn more about the importance of the mortgage interest deduction at ProtectHomeownership.com.