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While the journey to a successful project isn’t always a straight line, having the right financial partner by your side makes all the difference. BUILDER LOANS is excited to be the partner who helps you achieve your goals and is committed to sticking by you every step of the way.
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Construction and Permanent Financing, All-In-One as a One-Time Close 30-Year Fixed-Rate Construction Loan.
Higher than average LTV (Loan-to-Value) financing allows you to finance all construction cost including; prepaids, contingencies, and your land loan.
Manage your own project, act as a project manager, hire subcontractors, pay vendors and suppliers directly.
Accessory Dwelling Unit (ADU), Modular, and Prefabricated Structures are allowed and may receive an upfront draw on select materials and pre-order items.
Higher than average LTV (Loan-to-Value) financing allows you to finance all construction cost including; prepaids, contingencies, and remaining balance on your land loan.
Allows you only to pay one set of closing costs and not to have to re-qualify for a fix-rate term after construction is complete.
Construction terms range from 9 to 24 months, depending on the size and scope of the project.
Loan Payments are Interest-Only and are calculated based on funds used.
Rates vary based on Index + Margin, credit scores, LTV, LTC, FICO, property type and purpose.
Construction Loan Payments are Interest-Only and are calculated based on funds used.
A Pre-Start is allowed by exception only on horizontal construction.
Land Loan: Available at 75% Loan to Value with a FICO score of 720 or above.
80% financing on subdivision projects with a minimum 15% equity to come from prepaids, property improvements or other soft-costs.
Payments are Interest-Only and are calculated based on funds used.
Rates vary based on Index + Margin, Credit, LTV, LTC, Property Type, and Purpose.
Construction Loan Payments are Interest-Only and are calculated based on funds used.
Cross-Collateralization: Allows you to pledge other property as collateral to offset the equity and down-payment requirement.
Credit: A minimum 700 FICO score is required with no derogatory history in the last 4 years.
9-24-mo. Interest Only During Construction
Our lenders stay directly involved with each construction project from the day of the application through loan payoff to maintain a smooth transition. And, our in-house underwriting and approval process delivers a quick turnaround on cost-effective flexible financing. With such outstanding access to key decision-makers, and streamlined document process, we are able to facilitate a clean and easy construction loan for you.
