We purchased a Norfolk Home in Ann…
We purchased a Norfolk Home in Ann Arbor, and the entire process has been a nightmare. Using their recommended lender, Dart Bank, made it worse. Norfolk forces buyers into a construction loan that later converts to a mortgage—but hidden in the fine print is a clause allowing them to delay construction by up to two years with no accountability. They take undisclosed draws from your loan, costing you thousands in interest monthly, while your build sits untouched for weeks.
Communication is abysmal. Salesperson Lisa was condescending and unresponsive. Requests for project timelines, budgets, or milestones were ignored for months—then we were sent a photo of a whiteboard with scribbles. Quality is poor, and materials are the cheapest possible. Our floors, a 1-day job, took 6 weeks. Features like soft-close toilets, under-cabinet lighting, and a finished basement are all expensive add-ons, despite being standard elsewhere. For example, Toll Brothers offers a free finished basement—Norfolk charges $50K+ for a lesser product.
They took $130K in fees and a $60K contingency from our loan with no explanation. The stonework was installed incorrectly—broken, crooked, and against the installation guide—and Norfolk refused to fix it despite repeated complaints. Instead, they staged a fake leadership meeting and buried us in materials hoping we wouldn’t read them.
Bottom line: Norfolk is disorganized, deceptive, and financially exploitative. They fund their business on the backs of buyers while delivering delays, poor workmanship, and zero accountability. Save yourself the stress—go with a reputable builder like Toll Brothers.








