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Premium Loan Programs, Minimal Hassle

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Construction-to-Permanent

One-time, two-time close, and ITIN construction loans with no hefty administrative fees. Up to 100% financing with an option to get up to *$50K extra before, at, or after closing with jumbo loan amounts up to $3 Million.

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Renovation & Remodel

Transform your existing home or new purchase with streamlined 1st or 2nd position reno loans. Our rehab home loans combine refinance or purchase and rehab up to $2 million, with flexible draw schedules, and no hefty admin fees.

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Doctor & Professional

Specialized financing designed for medical professionals, attorneys, and legal pros. Access up to 100% financing with no PMI requirement. Flexible underwriting for new practices and residents in training.

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Jumbo & Portfolio

Premium financing solutions up to $10 million for luxury properties, extensive jumbo construction, and renovation financing. Access competitive rates with flexible terms and relationship pricing. Available for both primary residences and second homes.

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Investment Property

Comprehensive financing solutions for property investors and entrepreneurs. Access options for single-family, multi-unit, and unique investment scenarios. Benefit from competitive terms with portfolio lending flexibility.

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SMART® Solutions

Our smart loan allows qualified borrowers to access an extra *$50,000 before, at, or after closing. Use these funds to buy an extra tiny home, remodel, furnish an Airbnb, consolidate debt, grow a business, and more.

Who's This Perfect For?

ATTORNEYS & LEGAL PROS

HIGH-NET-WORTH CLIENTS

DREAM HOME BUILDERS

FIRST-TIME BUYERS

PRIMARY HOME BUYERS

UNIQUE PROPERTY BUYERS

CUSTOM HOME BUILDERS

VACATION HOME BUYERS

CONSTRUCTION BUYERS

AFFORDABLE BUYERS

REMODELING HOMEOWNERS

RENOVATION BUYERS

Turn Your Vision Into Reality Today

Illustration of a house split into two styles: modern construction on the left with scaffolding and classic completed structure on the right under a cloudy sky.

Experience Our Nationwide Mortgage Advantage

Our dedicated construction and renovation specialists guide you through every step. From custom builds to major renovations, you'll have a trusted advisor who understands your vision and knows how to make it happen. Access up to 100% financing with over 14 construction programs, minimal fees, and expert guidance throughout your journey.

Modern house with large glass windows and an illuminated interior designed by skilled builders. A partially constructed metal roof structure stands out against the evening backdrop, while a parked car rests in the driveway, hinting at the constructors' ongoing work.

Why More Builders, Contractors & Customers Choose Us Everyday!

From affordable first homes to luxury estates, we offer flexible programs with minimal fees and maximum convenience. Lock your rate before breaking ground, enjoy interest-only payments during construction, and work with a dedicated team that manages your draws efficiently. Join thousands who trust us for construction, renovation, and purchase financing.

Modern house with large glass windows and an illuminated interior designed by skilled builders. A partially constructed metal roof structure stands out against the evening backdrop, while a parked car rests in the driveway, hinting at the constructors' ongoing work.

Why Risk Everything When You Can Start With Certainty?

Start With A Free Expert Consultation

  • Start with a personalized review from our seasoned team of construction bankers, based right here in your region. Get a clear direction of your options and a detailed understanding of what's possible for your specific situation.

Get Us In Your Corner

  • Secure a strong pre-approval with an A+ Rated Bank that gives you confidence to shop. Our in-house underwriting team works directly with you, ensuring quick decisions and clear communication throughout.

Close With Confidence

  • Experience a smooth closing process with a creative powerhouse bank that funds and underwrites your loan in-house. No brokering to third parties, waiting on someone else, just consistent service from a team that fights for your dream.

Your Dream Home Journey Starts With One Call

Experience 5-Star Service Our Nationwide Goal

A modern house at dusk, showcasing construction excellence, features large windows and a sleek peaked roof. In the background, a crane and architectural plans hint at the meticulous planning behind its creation.

Construction Excellence

Build your dream home with confidence using our streamlined construction financing process. Our expert team guides you from blueprint to completion. Whether you're in Florida, Texas, California, Hawaii, New Jersey, or one of the 45 other states, we have you covered!

  • True one-time close process

  • Rate locked before breaking ground

  • Interest-only during construction

  • Dedicated draw management

  • Up to 90% financing available

  • *30% RE Agent Discounts buying land

The modern house with large windows, under construction, showcases the art of Renovation Mastery. A crane looms in the background, while transparent architectural plans overlay the image's bottom, blending vision and reality.

Renovation Mastery

Transform your existing home or maximize a new purchase with great rehab solutions. Access the funds you need with expert support at every step. Whether small projects or historic renovation, we know how to get your project finished nationwide.

  • Single close purchase & renovate

  • Up to $1 million in improvements

  • Flexible draw schedules

  • Interest-only during renovation

  • Expert project guidance

  • *30% Agent Discounts on Fixer-Upper

A split-image showcases a house before renovation on the left, looking worn, and after on the right, appearing modern and polished. A "SOLD" sign stands proudly in front, symbolizing its major purchase power transformation.

Major Purchase Power

Access powerful financing from a trusted Veteran-Owned FDIC insured bank. From first homes to luxury estates, investment properties, and ITINs for foreign nationals, we have the perfect program for you—no risk since we won't run credit til you say.

  • Programs up to $5 million

  • Doctor & professional specials

  • Portfolio lending flexibility

  • Affordable minimal down options

  • Minimal closing costs, all in-house

  • *30% Agent Discount buying or selling

Ready to get started today?

STILL NOT SURE?

Critical Questions Answered

Get expert answers about your construction, renovation, and home purchase options.

What makes Our Construction-to-Permanent loans unique?

Low rates, low fees, lower reserve requirements than most competitors, over 13 different in-house construction and renovation programs, including land and home at the same time. We offer up to 18-month draw schedules for jumbo projects and collaborate with over 1,800 builders nationwide, with continued growth.

How does the construction draw process work?

Our dedicated team efficiently manages your draws through local inspections, tracking completion progress. Funds are typically released within 2-3 business days of request, with clear communication throughout the process. We are with you from start to finish, ensuring your project gets completed.

Can I combine purchase and renovation costs into one loan?

Yes! Our renovation programs allow you to combine your purchase and improvements into a single loan with one closing. Access up to $2 million in improvements with flexible draw schedules and fixed payments based on what is drawn at the time during renovation.

What types of specialty lending programs do you offer?

We offer specialized programs for first-time buyers, foreign nationals, jumbo property owners, manufactured, modular, log cabin, and timber frame property styles, 3D printed homes, and many other unique property types. Programs range up to $5 million with flexible terms and competitive rates. Of course, we still offer standard Conventional, FHA, and VA financing.

How do I get started?

Start with a complimentary consultation with our seasoned team of veteran bankers, serving every corner of the US. They'll guide you through your options and help you understand exactly what's possible for your situation. Once you call us, text us, or complete an eligibility form, you'll be in immediate contact with your area V.P. There are NO Soft or Hard Pull Credit Reports until you explicitly authorize.

TESTIMONIALS

What others are saying

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"Exceptional Service"

"Bobby and his team consistently went above and beyond throughout our entire home-buying experience. Their communication was excellent, and even when challenges arose, they handled everything with grace and professionalism." -Lee F. *Client

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"True Professionals"

"Very professional team that exceeded my expectations during our entire mortgage process. Everything went exactly as they said it would, from start to finish." -Stephen M. *Client

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"Expert Guidance"

"Shawn and Alexandrea were excellent to work with! Very knowledgeable and patient, answering all of our questions and concerns every step of the way. I would recommend them to everyone!" -Anthony L. *Builder

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"Family Treatment"

"Jessica and her team were the best! They treated us just like family, with outstanding service and clear communication throughout the entire process." -Thomas M. *Client