Construction Home Lending for Builders, Investors, and Do-It-Yourselfers.  Remodeling and Home Equity Loans also Available.

"We Turn Your Ideas And Dreams Into Reality!"

When you decide to buy, build or remodel your dream home,  it's a big step. You can trust us to find the loan program that's best for you. 

1. Construction-Only Loans  Apply Now

This loan is for Builders, Investors and Do-It-Yourselfers. This type of loan finances your construction project.  The loan must then roll in to permanent financing upon completion of project.

2. Construction-to-Permanent Loans Apply Now

Getting approved for a construction loan can be tricky. Often, two loans are required--one for construction and one for permanent financing. Usually you'll have to pay closing costs on both loans, not to mention the extra paperwork, time and hassle involved. We offer a single-close Construction-to-Permanent Loan that combines both construction and permanent financing into one loan. Our loan allows for a construction period of 6, 9, 12, 15, 18 and 24 months. Other options are also available. And when your project is complete, the loan simply converts to a permanent mortgage at a market interest rate. In addition, there are no payments during construction.

3. Lot/Land Loan Apply Now

Our Lot Loan is the perfect loan if you are looking to purchase a residential lot for future construction of a primary residence or second home. Once you've purchased your land, you'll have time to design your new home and choose a contractor.

4. Remodeler Loan  Apply Now

Our Remodeler Loan is designed for the homeowner who is looking to make a major improvement to a primary residence. This unique second mortgage calculates the loan amount by using the future value of the planned improvements. This closed-end second financing allows the flexibility of a 30-year mortgage with a 15-year balloon or a fully amortizing 15-year mortgage.

5. Bridge Loan  Apply Now

A Bridge Loan is designed for homeowners planning to construct a new owner-occupied primary residence. The Bridge Loan allows you to access the equity in your current owner-occupied residence and use it as the down payment on a Construction-to-Permanent Loan.

6. Spec Loan  Apply Now

Contractors, builders and developers who are building a home without a guaranteed sale upon completion are said to be building on "Spec", which is short for "Speculation". These individuals and companies are speculating that they will earn a profit when they sell the newly constructed home.

Benefits of Construction Loans

• We've partnered with the nation's largest construction lenders to give you access to countless loan programs.
• 95% financing for owner and/or builder
• Ability to finance land, materials, labor, permits, fees and closing costs.
• No-interest payments during building phase
• One-time closing that can roll in to permanent financing at 75% completion
• Online draw requests 24/7
• Owner/Contractor; no license required