Using a Builder or General Contractor

Generally, those who hire a GC to build their home are looking for a 'turn-key" job and wish to be involved in only the initial decision making process. You choose many of the finish items and final touches and leave the bigger decisions to the builder. The day to day responsibilities and headaches become the builder's responsibility. You just move in and enjoy your new home.

Many construction loans require that the Builder or General Contractor you wish to use be qualified as well as you. Some of the things that may be required are:

• The Builder's license and resume. Many loans require that the builder be licensed (Class A) and has a certain amount of experience.
• The Builder's credit scores. In addition to approving your credit scores, some loans will also look at the credit worthiness of the builder.
• The Builder's financial statements. Many loans will require that the builder prove his financial well-being prior to being approved to build your home.
• A sample of the Builder's fixed price contract.

These are some of the things that may be required when you build a home using a general contractor. We also have programs that can eliminate these things if you find it difficult to provide them. We are here to assist you through every step of the process and are willing to work with nearly any situation you may have.

Start with Requesting More Information in order to speak with a representative.

One Time Closing!

We offer "One Time Closing" Construction to Permanent loans. You can include both your land and construction costs in one loan, saving you from the time and expense of two closings.

Easy Draw Process!

We will work with your builder to ensure a smooth draw process so that he can concentrate on building your home, not chasing after money. You can be involved in the draw process in order to maintain control of your funds and work with the builder to insure your project stays on track.

What We Offer:

Financing for Land, Materials, Labor, Permits & Closing Costs/Fees.
New Construction AND Rehab/Remodel programs available.
Full Doc and "Stated Income" Programs available - ask for details.
Low Construction Loan Rates.
Competitive Permanent Mortgage Rates.
NO payments while you build!
up to 24 month construction loans with some options.
Your choice of permanent mortgage (fixed, ARM, etc..).
One-time closing (construction to perm loan all in one).
Land Payoffs (including land contracts).
24 hour pre-approval with no application fees.
Sale of current home not required to start building.