close without floor ?

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sentosa

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hi, with Irvine Pacific, where it says you can not close without floor ?
is it a requirement by the escrow company or the bank ? thanks.
 
i know with william lyon i asked about this - they said since the house is theirs until you close, they can not take the chance of having it floor-less since until you actually close there is always a chance you back out. they did not say anything about the bank, but that does not mean it is not a bank's requirement
 
Most builders and all lenders will not allow you to close without floors.  Get carpet everywhere you can and where you can't get carpet ask for vinyl floors.
 
Builders in-house lenders won't let you close without flooring. Their preferred Escrow companies won't have "hold backs" for outside flooring as they used to. It's a way to drive business to their design centers. In a buyers market it was possible to close without flooring, having the Escrow hold 1.5x the value of the new flooring, evidenced by the invoices the outside service was going to install. Now that we're in a sellers market, that option unfortunately is not going to cut your way.

As USC noted, get the cheapest flooring you can, knowing it's going to get covered over or ripped out by the vendor you want to use post closing.
 
This is a bit of a scam... When I closed on my Woodbury condo I tried to get it without flooring and they said "no"... when asked what the reason was, Brookfield homes said it was because without flooring, they can't properly seat the toilets and they can't legally close escrow and pass inspection unless the toilets are seated/installed fully.

I could live with just no flooring in my living room and kitchen since that's where I wanted to put the wood floor.  So I told them 'fine then go ahead and put flooring everywhere the toilets are, just leave my living room and kitchen floorless'.  They weren't quite ready for that... they stumbled around and then came up with some other silly reason why they couldn't do it. 

In the end just to avoid chipping away all the tile in my kitchen, I had to pay them $400 extra to upgrade the tile to "premium vinyl"... No "standard vinyl" was available for the kitchen.  So I payed the extra and ripped it out the week after close... such a waste. 
 
Whoah... you had to *upgrade* from tile to vinyl?

Could they have just laid down carpet instead (not sure if that's cheaper)?
 
I asked to have carpet instead of vinyl in the kitchen thinking it would be easier to rip out, but got shot down.  They said they can't for sanitary reasons  ::)  I
 
The Motor Court Company said:
Pay cash then you can have close without floor. Pay cash you also don't need home owners insurance if you want to be frugal.
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FCB Style!!

Ohp... ohp... ohp-ohp-ohp... FCB Style!*

*Sung to "Gangnam Style"
 
We were trying to close without closet shelves in the master since we are doing an organizer unit, but said no. I was able to get them to give me elongated toilets in all bathrooms vs just master and half bath.
 
ps9 said:
I think vinyl would be less messy than carpet to remove? 
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Having removed tile, carpet, wood flooring, and vinyl I can say that carpet is easier to remove.  Here's my ranking of easiest to remove....

1) Carpet
2) Laminate
3) Vinyl
4) Engineering wood floors (glue down)
5) Tile
 
It's a trick question about which is easiest to remove: vinyl or carpet -- vinyl doesn't need to come up. Put the new flooring over it.
 
for irvine pacific, they wont let you put "carpet everywhere" or "vinyl everywhere".  They have their standard pre-plotted options, and none of their project managers, workers, or subcontractors have the IQ to do anything but that UNLESS of course, you pay $20/ft for flooring then they can supposedly magically follow directions.   

As was said to my friend (by IP designer), "I don't understand, you should like what we give you as we have great designers and architects, you act like this is a custom house or something, well it's not".   
 
akim997 said:
for irvine pacific, they wont let you put "carpet everywhere" or "vinyl everywhere".  They have their standard pre-plotted options, and none of their project managers, workers, or subcontractors have the IQ to do anything but that UNLESS of course, you pay $20/ft for flooring then they can supposedly magically follow directions.   

As was said to my friend (by IP designer), "I don't understand, you should like what we give you as we have great designers and architects, you act like this is a custom house or something, well it's not".   
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Then why even have a design center...just build the damn houses with the same options and be done with it.  Such idiots over there. 
 
You can't always floor over vinyl... sometimes that little 1/8-1/4 inch messes up toilet mountings etc.

I agree with USC on his difficulty scale because as I see it:

1. Carpet: Usually just floating over pad and secure by tackboard on the borders.
2. Laminate: Usually also floating above a thin liner
3. Vinyl: From what I remember, it's glued down... takes more effort to lift off
4. Wood: Depending on what type, also glued down
5. Tile: Hardest because you have to demo the tile and the underlying mortar (and backer board if not first floor)
 
irvinehomeowner said:
You can't always floor over vinyl... sometimes that little 1/8-1/4 inch messes up toilet mountings etc.
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It's done all the time. There are three common solutions. 1) Toilet flange extender kit, 2) double wax ring and 3) put flooring around toilet base.

I'm not saying I prefer it those ways, btw. I do prefer it as you suggest. If it was me, personally, buying a new construction, I wouldn't be having this conversation. I'd go with the builder's flooring. However, it is done as I said - all the time. I've had it done enough times in my own (resale) homes.
 
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