Question: Do custom home builders offer financing options, and how do construction loans work in Horry County?

Answer: Most builders don’t provide financing directly, but they can help you understand construction-loan paths and coordinate documentation and draw schedules with your lender. The goal is to align the loan process with real project milestones.

When people search for a custom builder, they’re not really searching for “a contractor.” They’re searching for a partner who can turn a big, personal vision into a finished home—without chaos, cost surprises, or communication gaps. Building on the Grand Strand isn’t “one-size-fits-all.”

A custom home in Conway, Longs, Loris, Aynor and other growing communities west of the Intracoastal will face different site conditions, HOA/ARB rules, and coastal code requirements than a build farther inland. That’s why local experience matters: a builder who understands the area can prevent surprises before they become change orders.

MaeWest Construction is a fully licensed and insured South Carolina builder that handles design-build coordination, permitting, inspections, and HOA/ARC approvals as part of the process. That means you don’t have to juggle ten different people and hope it all lines up—your project stays organized from first sketch to final walkthrough.

Here’s the core idea: a great build is the result of a great process—run consistently, with clear expectations. A well-run custom build usually follows a clean roadmap: Discovery → Design & Pre‑Construction → HOA/ARB + Permits → Build → Punch List → Handoff.

• Discovery: goals, must-haves, and a realistic budget band.
• Design & Pre‑Construction: plans, engineering, selections, allowances, and schedule alignment.
• Approvals: HOA/ARB/ARC submissions (if applicable) and county/city permits.
• Build: foundations to framing to mechanicals to finishes, with inspections along the way.
• Punch & Handoff: final details, walkthroughs, and a clean, ready-to-live-in delivery.

Custom home pricing varies widely because every lot and plan is different, but most budgets swing on a few predictable drivers.

• Site work and utilities: clearing, grading, soil conditions, driveways, septic vs. sewer, and utility runs.
• Elevation and drainage: coastal lots may require additional planning and sometimes higher-cost solutions.
• Kitchens and baths: cabinetry, tile, plumbing fixtures, and appliance packages.
• Outdoor living: porches, outdoor kitchens, pools, and hardscape.
• Finish level: flooring, trim packages, lighting, and custom built-ins. If you want fewer budget surprises, focus on selections early.

A clear allowances roadmap—paired with real-world choices—keeps your numbers honest and your schedule steady.

• Ask for clarity on allowances: what’s included, what’s not, and what happens if you upgrade.
• Make big-ticket decisions early: windows/doors, roofing, cabinetry, plumbing fixtures, and flooring.
• Expect tradeoffs: upgrading one area may require value-engineering somewhere else to protect the overall budget.

Many Grand Strand custom projects run on two timelines: planning time and build time. Planning includes design, pre-construction, and approvals; building includes the actual construction plus inspections and punch list.

• Design & pre-construction often ranges roughly 6–16 weeks depending on scope and HOA/ARB timing.
• Many custom builds land around ~8–14 months once permits are in hand, though complex projects can run longer.
• Weather, material lead times, HOA cycles, and change orders are the most common schedule expanders.

The most reliable way to protect your timeline is to finalize key selections early and maintain a clear decision schedule during the build.

Financing is a common question for custom builds, and here’s the practical truth: most custom builders don’t act as the lender, but an experienced builder can help you navigate the common paths and coordinate with your bank.

• Construction-to-permanent loans (one closing that converts to a long-term mortgage).
• Construction-only loans (finance the build, then refinance after completion).
• Lot loans or combining land + build financing (varies by lender).
• Documentation your lender will often want: plans, specs, budget/allowances, contract, and draw schedule. If you’re early in the process, ask a builder to review your lot and rough budget so you can talk to lenders with realistic numbers.

When you’re investing in a custom home, craftsmanship is not a buzzword—it’s your long-term maintenance plan. MaeWest Construction is known locally for integrity-driven building and a craftsmanship-first mindset, which shows up in the details you live with every day.

• Clean framing and structural execution that sets up straight walls and level finishes.
• Thoughtful trim and finish work that feels “custom” instead of cookie-cutter.
• Material choices and installation methods designed for coastal South Carolina conditions.
• A build process that respects the homeowner’s experience: clear steps, clear communication, clear expectations.

Awards and recognition are nice, but what matters most is the finished result: a home that performs well and feels good to live in. Your lot is not just “where the house goes.” It’s a major part of the build plan.

In Conway, Longs, Loris, small differences in elevation, drainage, soil conditions, and utility access can change the scope and cost of a project. • Survey and setbacks: confirm buildable area, easements, and required offsets.

• Utilities: water/sewer availability, tap fees, and power runs; septic/well if applicable.
• Soils and grading: how much site work is needed to create a stable pad and proper drainage.
• Flood and water management: understand water flow on the property and what that means for design.
• Access and logistics: driveway placement, construction access, and staging space.
• HOA/ARB rules: architectural guidelines, exterior materials, and approval cycles if you’re in a planned community.

A strong builder will help you evaluate a lot early so you don’t fall in love with a plan that doesn’t fit the site—or a site that quietly blows up the budget.

Many homeowners ask whether they should hire an architect first or choose a design-build builder. Either route can work, but here’s what matters: coordination.

• If you already have plans, your builder can review them for buildability, budget alignment, and local code considerations.
• If you’re starting from zero, a design-build path can streamline decisions because the design and build teams stay aligned on cost and feasibility.
• The biggest risk is designing in a vacuum—creating a beautiful plan that doesn’t match your budget once bids come back.

The win is early alignment: your builder should help you connect the dots between what you want, what your site supports, and what your budget can realistically deliver. Great communication is the difference between a “dream build” and a stressful one.

Before you sign anything, make sure you understand how updates will work once construction starts.

• Will we have a weekly update cadence (call/text/email) and a predictable site meeting schedule?
• Do you share progress photos or walk-through checkpoints at key milestones?
• Who answers questions day-to-day—project manager, superintendent, or the owner?
• How quickly are questions typically answered (same day, 24–48 hours, etc.)?

A builder who communicates proactively reduces misunderstandings—and misunderstandings are one of the most common causes of budget disputes.

Homeowners also ask about pricing models because it impacts how “surprises” show up. Without getting overly technical, the key is transparency: you should know what’s fixed, what’s an allowance, and what can change.

• Fixed-price contracts can feel stable, but allowances still matter—choose realistic ones.
• Cost-plus arrangements can be transparent, but they require strong documentation and an organized builder.
• Either way, the best protection is a detailed scope, a clear selection plan, and a builder who tracks decisions.

If you want predictable outcomes, ask for a line-item budget that matches your plan and finish level—not a vague number that leaves too much open to interpretation. Change orders aren’t automatically “bad.” They’re just expensive when the process is sloppy.

The healthiest builds handle changes with documentation, pricing clarity, and schedule impact spelled out before you approve anything.

• Ask how changes are requested, priced, and approved (and get it in writing).
• Ask how changes affect the schedule—because even small swaps can create weeks of delay if materials have lead times.
• Try to lock big selections early (cabinets, tile, plumbing fixtures, windows/doors) to protect both budget and timeline.

If a builder can’t explain their change-order process clearly, that’s a red flag—because changes will happen in almost every custom project. If your vision includes a pool or major outdoor living, treat it as part of the master plan—not an afterthought.

Outdoor scope impacts grading, drainage, utilities, and how indoor-outdoor flow is designed.

• Plan the outdoor zones early: pool placement, patios, outdoor kitchen, and covered porches.
• Coordinate utilities: gas lines, electrical runs, and water supply for outdoor features.
• Think about privacy and sun angles: lot orientation can affect daily comfort and long-term enjoyment.

When the builder and outdoor scope are coordinated from day one, the finished home feels intentional—like everything belongs together.

Quick FAQ (Grand Strand custom building)

Call MaeWest Construction at 843-877-6475 to schedule a no-pressure consultation and talk through your lot, timeline, and budget.

Ready to start your custom build in Horry County and Georgetown County? Call MaeWest Construction at 843-877-6475 and let’s plan your next steps.