Home Construction Loans

Wish you could find that perfect home--one that has everything you want, a wonderful layout and the space you need? If you can't find your dream home, how about building it? Or maybe you've found an older home and want to start a major remodel.

Working with the right mortgage broker and deciding on the best home loan are decisions just as important as using the right architect, contractor, and the proper hammers and nails. Here's a sampling of what we offer.

The permanent loans offer flexibility, too. The can be 15- or 30-year fixed loans. Or you can choose 1, 3, or 5 year ARM loans. Best of all, you can change your mind about the permanent loan type you pick (except for the 1-year ARM) during the construction phase.

During the construction phase, you make no mortgage payments. Draws by the builder for out-of-pocket costs are made against the construction account.

• Full doc, stated income, and no ratio Income Variations are available.
• Perfect credit is not required. Credit scores down to 620.
• Owner occupied and second homes to 95% loan-to-value.
• Bridge loans using the equity of existing properties add options as well
• Investment properties available, too.
• Loan programs to purchase and fix-up.
• Or, refinance to fix-up or remodel.

We have unmatched options available to us for construction loans.

• Compare a fixed mortgage to an ARM
• Find Out About the 8 Deadly Home Buying Mistakes
• Explore other Loan Types
• Learn about Credit Scores
• Determine if you want to be pre-qualified or pre-approved
• Visit Mortgage Forums to ask mortgage related questions
• Learn about the Tax Advantages of Home Ownership
• Submit a Loan Application