Financing

One of the most important steps, and often one of the more challenging, in the pursuit of building your custom dream home is financing. Since the housing bubble, most banks, agencies and investors have become very difficult to work with when it comes to construction loans. Thankfully, our leadership has decades of experience in new construction financing. We have the resources and contacts with 1000s of banks across the country to help bring our clients the best available financing.

Whether you need to buy land and build with $0 down, an owner-builder loan to just buy a modular package from us to finish yourself or simply want the best rate and terms, we have the right recommended lenders to suit your needs.

Here is a look at JUST SOME of the ways lenders we have to recommend can help:

  • Single close construction to permanent loans
  • 100% VA construction to permanent loan financing (that's right a true construction loan for Veterans with VA loan eligibility)
  • 97.75% FHA construction to permanent loan financing
  • 95% conventional construction to permanent loan financing
  • Up front rate locks (guaranteed rates at the time of your contract)
  • No point construction to permanent loans
  • Low fixed and adjustable rates
  • Low costs

Do you need help overcoming any of the challenges listed below; or any other type of challenge? If so, contact us today and we will help you see if our lenders can get you approved!

  • Bad appraisal (low value, comps unavailable, declining market and more)
  • Low equity or No money down
  • Debt to income too high
  • Builder could not get approved by bank
  • Owner builder
  • Construction already started
  • Not enough reserves
  • Wouldn't accept a cosigner to help qualify
  • Length of time at present job
  • Log home, modular home or other form of construction
  • Length of ownership too short
  • Knocking down existing home
  • Not a primary residence
  • Multifamily home