Financing Options

1. Construction‑to‑Permanent Loans
   One application, one closing. Funds your build phase, then automatically converts to a standard mortgage when the keys are handed over.

2. Home‑Equity & Cash‑Out Refi
   Tap existing equity to fund remodels or additions at attractive home‑loan rates.

3. Home Improvement Credit Lines
   Revolving credit up to $250,000—ideal for phased projects or outdoor living upgrades.

4. Green‑Build Incentives
   Special programs for energy‑efficient materials, solar integrations, and sustainable design.

How the Process Works

1. Consultation (Day 1)
   Meet with our financing specialist to outline project costs and pick the best loan structure.

2. Application (Day 2 – 3)
   Submit a quick, secure digital form—no impact on your credit score for pre‑qualification.

3. Approval & Budget Lock (Day 4 – 5)
   Receive conditional approval and lock in your rate; we finalize your construction timeline.

4. Closing (Week 2)
   Sign once. Funds are released in scheduled draws as milestones are completed.

5. Move‑In & Repayment
   Enjoy interest‑only payments during construction; switch to principal + interest after completion.

Frequently Asked Questions

Do I need perfect credit?
No. We work with scores as low as 620 and offer credit‑building tips to help you qualify.

Can I roll in land purchase costs?
Absolutely—our construction‑to‑permanent loans cover land, permits, and construction in one package.

What if my project cost changes?
Flexible contingency allowances let you adjust mid‑build without restarting the loan process.