CONSTRUCTION & Renovation loans

Construction Loans

For the times when you want to build your perfect home and be in control of the finances. 

Many builders will welcome your ability to obtain the construction loan so that they do not pull on their commercial building loans they use for spec homes. We offer the ability to have as little as 10% equity or down payment into your construction loan when our competitors want a larger down payment of 20%. We can make this a fantastic banking relationship. We have our construction management staff to protect your draws and flow of money out of the construction loan.

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Renovation Loans, Purchase / Rehab or Refinance / Rehab

Do you love your neighborhood? So much that you can see leaving such a great location and area? But then you think, my home is not HGTV ready. 

It happens to us all. We want to add improvements and updates to our current home to enjoy our homestead even more!! We base all of your plans based on an "as-completed" appraisal, which means you will know what your home will be worth before you even start any construction.

We see more and more of these requests all the time. We can help you with your plans. We add money for contingencies, for the "just in case" situation.

-Purchase Renovation loans: We can set this up with as little as 5% down on the sales price + improvements to get you started.

-Refinance Renovation loans: In fact, we may be able to offer you a renovation loan and not even need a down payment. How easy would that be?