You can walk in on your own, but the sales rep on site works for the builder. Your own agent looks out for your side, from contract terms to inspections. Many builders pay a buyer's agent commission, but some require your agent to be registered at your first visit, so call before you tour.

Most new builds follow the same path: get pre-approved, tour communities, pick a lot and floor plan, sign the contract and pay earnest money, choose your options, complete inspections and a final walkthrough, then close. Timing varies by builder and by whether the home is already built.

Yes. A new home can still have defects, and the builder's own inspection works for the builder. An independent inspector at key stages, such as before drywall and before closing, can catch problems while they are still easy to fix.

Usually yes. Builders often offer incentives for using their preferred lender, so compare the full cost, including rate, closing costs and any credits, before you decide. Get your own quote first so you have something to compare.

It depends on the builder and the home. Quick move-in homes that are already built can close in weeks, while homes built from the ground up take months. Ask the builder for a current schedule and what happens if it slips.