Custom Home Financing
home financing is my specialty. We offer “One Time Close
Custom Home Financing Loan” for custom home financing.
These custom home financing programs allow you to purchase the lot, financing the construction of yourcustom
home using a construction product combined with your permanent
loan and close only one time, saving you money in
Email me with questions on
I am a
custom home financing mortgage broker and represent 22 of the largest custom home financing lenders in
the market. As a broker, I work for my client and not the lender, taking the
time to understand your situation and placing your custom home financing loan with the lender whose
custom home financing program most closely match your needs. I am able to give you
unbiased advice and support throughout the custom home financing process. Custom home financing is a
specialized part of mortgage banking and most lenders or brokers do not have the
experience to guide you through this complex process. I have given
you some basic information on custom home financing here but call to
discuss your individual project. At the fundamental level, construction
lenders offer two types of product characterized by how they base interest rates
during the construction phase. I will refer to these approaches as “One
Step” and “Two Step”
Several Custom Home Financing Loans include:
One Time Close Custom
Single Rate. "One Step" program which protects you against
increasing rates and extended lock fees. Interest only fixed rate during
construction and modifies into a permanent loan after construction.
One Time Close Construction/Perm Prime Rate
Based. "Two Step" program
allows you to borrow up to 95% of your total cost for a Principal Residence Based on the Prime Rate during the
construction period with interest only collected on funds disbursed. Allows a 12 month construction phase.
Designed for those who found the perfect lot but are not ready to build. Low
down payment loans available.
We offer many products and I have specific information on each on my
detailed Custom Home Financing section.
have a Frequently Asked Questions about the process of building with a custom
I have written a series of
covering custom home financing loans which are available free.
I have a list of documentation needed
to process your loan.
There is a page detailing construction
I have detailed information on extended
interest rate locks with a free float down option.
I have also included information on the specialized areas
of log home, modular
home, or timber frame home
As a Certified Mortgage
Planning Specialist, I offer an analysis of
your situation today can make suggestions on how small changes in how
your consumer and mortgage debt is structured today can have a life changing effect in the years
to come. Read more
about this free, no obligation service.
Prequalify for your
Custom Home Financing.