I've worked with builders for years selling them carpet, countertops and now lighting and hardware. Let me tell ya, I could write a book. I knew one "respected" builder who built upper end homes that got busted for running a meth lab in his house. So much for the respected deal. I'm constantly challenged by builders who don't pay their bills or use the draw off the house two blocks over to buy materials for your house and then someday the whole thing comes crumbling down and he can't finish anything he's working on. Are you paying the bills as you go or is your builder giving you an allowence for items like floor covering, lighting, hardware, and plumbing fixtures? Is the allowence reasonable or do you seem to be going over on everything? That's how they get the cheapest price per sq ft. bid. Watch out too, some builders will make a profit on the customer choice items in addition to the profit he's making on the house. The best plan is cost plus say 10% for the builder. That way you're more in control of the bills but don't forget, every $1.00 you spend it really $1.10.
Several things I can think of right off the top of my head....
Spell out everything with the builder up front. What can be misunderstood
WILL be misunderstood.
Be polite and speak to the trades but DO NOT stand around and talk to them or give them instructions or make changes without the builder present. I've seen serious cans of worms get opened by doing that. First of all, even though they will put up with your presense they really don't want the homeowner hanging around asking questions and chit chatting. There are some exceptions but most toolbelt guys just want to do their job and get home.
Changes are expensive. Especially things like moving plumbing and electrial and walls. Yes belive it or not I've seen houses where the buyer decided the garage wasn't big enough and had an exterior wall bumped out. Saw another not long ago where the lady decided she wanted the washing maching where the drier was wired and vented and vice/versa...I can't imagine how much it cost to flip/flop that. Same lady had the staircase re-done three times and then was pissed because the house ended up costing $200,000 more than the original estimate.
Think seriously about what you want to upgrade. Remember you're going to be paying intrest on that thicker carpet or solid brass lavatory faucet for a long long time. Do the math, do you really want to pay hundreds of dollars of intrest on a celing fan in a spare bedroom when it's very easy to come over to my store and buy a good one for $89. What ever you do, don't finance your kitchen appliances on your home mortgage....you'll be paying intrest on that microwave or refrigerator long after it's gone to the land fill.
Here's the best builder boo-boo I've ever seen. The picture below is a house that came in just under a million bucks (actually next door to the 200k overrun house). If you look closely you'll see a pin with a pink flag....
that's the property line.
I forget now exactly how far over it was but it seems like around 12 or 16 feet. That ended up being some pretty expensive land. The lady in the house next door is an attorney. All could have been avoided with a simple pin survey. He is a respected builder too. I do business with him now and he's a real good guy he just screwed up.
Hope I haven't scared you into apartment life.
Harpo