We bought a lot and built. We used the villages builder(s), as far as I know there are no other options. We already knew to basic house we wanted (Gardenia) so we discussed options for this design, in the end we got 3 of the 4 stretches we wanted, hit the build lines on the 4th. 36 other minor changes and the major birdcage addition were done after we moved in and got settled, and figured out what we wanted.
The only items that you really want done before you move in are items that affect the floors, upgraded rugs, changes in tile, coating the garage floor, etc. NOTE: you will need to wait at least one month for the concrete to fully cure before applying any coating.
You can ask about the cost of upgrades (like crown molding, back splashes, under counter lighting) and get the costs of the villages builders then compare to doing this later. In the case of under counter lighting, we were quoted $2000, we declined this option, I installed my own, both under counter and over head cabinet lighting for less than $300. IMHO there are several of these upgrades that are better done after moving in.
hope this helps.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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