Nationwide Home Loans Group Construction Loan Lender.webp

Our VA Nationwide division was named Best VA Construction Loan Lender by CNBC Select

Construction Loan LendersAre Not All the Same

We originate, underwrite, fund, and manage every draw in-house, never brokered. One-Time Close, Two-Time Close, and Hybrid, across Conventional, FHA, VA, ITIN, jumbo, and portfolio programs up to $4.5 million in all 50 states. Including second lien construction and renovation, so you never have to give up a low first mortgage rate to build.

Check Your Eligibility › Call (844) 999-0639

2 minutes, zero credit impact to see your options. Or call and talk to a real person, 24 hours a day, 7 days a week. No robots, no phone trees.

Veteran Owned FDIC Insured Never Brokered In-House Draw Management All 50 States 2,000+ Approved Builders

Written by the Nationwide Home Loans Group Construction Lending Team | NMLS# 411500 | In-House Construction Division | Originally Published 2016 | Last Updated: August 15, 2026

Member FDIC Equal Housing Lender Veteran-Owned Bank Never Brokered In-House Draw Management Licensed All 50 States 2,000+ Approved Builders Updated Annually

What Should You Look For in a Construction Loan Lender?

The single most important question is whether the lender originates, underwrites, funds, and manages your construction draws in-house, or brokers your file to a third party. In-house lending means one team from application through final draw, no administrative fee layers stacked into the loan amount, and no handoff to a draw servicer you have never spoken with.

Beyond that, program depth decides whether you can build what you actually want. Ask which structures the lender offers, whether they finance your property type, what their maximum loan amount is, and whether they can lend in your state. Many construction lenders operate in a handful of states and offer one product.

We are a federally chartered, FDIC-insured direct lender writing One-Time Close, Two-Time Close, and our in-house Hybrid across Conventional, FHA, VA, ITIN, jumbo, and portfolio programs up to $4.5 million, in all 50 states. We also write second lien construction and renovation, so a homeowner with a low first mortgage rate does not have to refinance to build.

Nationwide Home Loans Group

Which Construction Loan Fits Your Project?

Answer a few questions and we will point you to the right structure, the right program, and the right team. No credit pull, no contact information required.

This tool is for general guidance only. It is not a loan approval, a rate quote, or a commitment to lend. Program eligibility depends on full underwriting review, appraisal, builder approval, and current program guidelines. Speak with a construction loan specialist about your specific scenario.

Every construction loan we write is underwritten, funded, and drawn in-house.

Check Your Eligibility › Call (844) 999-0639

2 minutes, zero credit impact to see your options. Or call and talk to a real person, 24 hours a day, 7 days a week. No robots, no phone trees.

What Makes a Construction Loan Lender Different

A construction loan is not a mortgage with a longer timeline. It funds a home that does not exist yet, releases money in stages as the build progresses, and has to convert to permanent financing when the work is done. That requires capabilities most mortgage lenders never built.

The lender has to underwrite a property from plans and specifications rather than comparable sales of something standing. They have to review and approve your builder. They have to run a draw schedule, coordinate inspections before each disbursement, and hold the builder accountable for work completed. And they have to handle extensions when a build runs past its original timeline, which happens more often than anyone likes to admit.

Most institutions advertising construction loans do not do those things themselves. They originate the file and pass it to somebody else. That is not necessarily bad, but you should know it before you commit, because it determines who answers the phone when your builder needs a draw released and your framing is sitting exposed to weather.

In-House Lending and Why It Changes Your Cost

When a construction loan passes through intermediaries, each one takes a margin. Those margins show up as administrative fees, processing markups, file setup charges, and bundled third-party service fees, and on a construction loan they can total $40,000 to $100,000 or more.

The problem is not just the cost. It is what the cost does to your appraisal.

A construction loan appraisal is based on the completed value of your home. When fees are embedded in the loan amount, that inflated total frequently exceeds what the finished property can appraise for. At that point you either bring cash to closing to cover the gap, sometimes tens of thousands of dollars, or you walk away from the build. That is one of the most common ways borrowers lose earnest money and the home they planned.

We are a federally chartered, FDIC-insured bank. We originate, underwrite, fund, draw-manage, and permanently convert every construction loan ourselves. There is no outrageous administrative fee layer, because there is no intermediary requiring one. Standard origination and closing costs apply, disclosed in writing on your Loan Estimate before you commit to anything.

The continuity matters too. The banker who opens your file stays with you through every phase, including extensions.

Before You Commit

Questions to Ask Any Construction Loan Lender

Ask these of us and of anyone else you are considering. The answers will tell you more than any advertised rate, and a lender who hesitates on any of them is telling you something.

Are there administrative, processing, or program fees beyond standard origination?

This is the question that uncovers the fee stack. Ask for the number in dollars, not a percentage.
Will my loan be underwritten and funded by your institution, or placed with someone else?

Determines whether you are speaking with the lender or with an intermediary who will hand your file off.
Who manages my construction draws and inspections after closing?

If the answer is a third-party servicer, that is who you will be dealing with for the next twelve to eighteen months.
Will the same person who opened my file still be there at final draw?

Continuity matters most when something goes wrong mid-build, which is when you least want to re-explain your project.
What happens if my project needs a timeline extension?

Builds run long. Find out the extension policy and its cost before you need it, not after.
What is your maximum loan amount, and do you lend in my state?

Many construction lenders are regional and cap well below what a custom build requires.
Do you finance my specific property type?

Barndominiums, log, ICF, SIP, manufactured, and modular are declined by a large share of construction lenders.
Can land I already own count toward my down payment?

Some lenders apply land equity toward the loan-to-value calculation and some do not. It can be the difference between cash to close and none.

One-Time Close, Two-Time Close, and Hybrid Construction Loans

One-Time Close

Construction and permanent financing combine into a single closing. You qualify once, close once, and the loan converts automatically when the build is finished with no re-qualification and no second appraisal. Your permanent rate is set at that first closing, which protects you if rates rise during the build but locks you out of improvement if they fall.

A One-Time Close is also called a single close construction loan, an all-in-one construction loan, an OTC loan, or a construction-to-permanent loan. Different names, same structure.

Two-Time Close

The construction loan and the permanent loan are separate transactions. You close the construction financing, build, then close the permanent mortgage at completion. That lets you set your permanent rate at the end based on the market at that time. We cover the origination fee on the second closing, and FHA and VA borrowers can use a streamline on the permanent loan.

Hybrid Construction Loans

Our Hybrid was developed in-house to solve the tradeoff between the two. Both sets of loan documents are prepared upfront, so the build operates like a single-close experience with one set of closing fees, while your permanent rate stays flexible through completion. If the market improves while your home is being built, you capture that improvement at the end instead of being locked in from day one. It is also eligible for FHA and VA streamline refinancing on the permanent loan in qualifying scenarios.

The Hybrid cannot be replicated by a broker or a correspondent lender. It requires in-house origination, underwriting, and draw management to operate at all.

Not sure which structure fits your build? Two minutes, no credit pull.

Check Your Eligibility ›

Comparing the Three Structures

Feature	One-Time Close	Two-Time Close	Hybrid
Number of closings	One	Two	One closing experience, both document sets prepared upfront
When your permanent rate is set	At the first and only closing	At the second closing, after the build	Stays flexible through completion
If rates improve during the build	Locked in, no improvement captured	Renegotiate at the second closing	Capture the lower rate at the end
Re-qualification at completion	Not required	Required	Not required
Second closing costs	None	We cover the origination fee	One set of closing fees
FHA or VA streamline on the permanent loan	Available	Available	Available
Available through a broker	Yes	Yes	No, requires in-house origination and draw management
Best suited for	Rate certainty and simplicity	Borrowers who expect rates to fall	Most borrowers, balancing simplicity with rate flexibility

Program availability varies by loan type, occupancy, property style, and borrower qualification. This table describes structural differences only and does not show or imply interest rates. Speak with a construction loan specialist to confirm which structure fits your scenario.

Second Lien Construction and Renovation Loans

This is the program almost nobody in the country offers, and it solves a problem that has become common.

If you locked a low interest rate on your first mortgage, refinancing to fund a renovation, an addition, or an ADU means giving that rate up. For many homeowners the rate difference costs more over the life of the loan than the project itself. So the project does not happen.

We run our own in-house portfolio construction loan and close it as a home equity loan in second position, behind your existing first mortgage. Your first mortgage is untouched. Your rate stays exactly where it is.

Available up to $500,000, at up to 90% combined loan to value based on the appraised value with the work completed, on fixed fully amortized terms. Second lien position is available on a primary residence at this time. Some property types and larger acreage require a loan committee exception, which we review case by case.

If second lien does not fit your scenario, a full refinance renovation is the alternative, and we write those on primary residences, second homes, and investment properties.

Construction Loan Programs Available

Conventional and FHA Construction

Available as One-Time Close, Two-Time Close, and Hybrid. FHA extends access to borrowers with lower credit scores, higher debt ratios, and smaller down payments, at up to 96.5% financing. Conventional reaches up to 95%. Minimum 640 middle FICO on both.

VA Construction

Up to 100% financing with no monthly mortgage insurance for eligible veterans and their spouses, through our VA Hybrid or Two-Time Close. We do not require a One-Time Close to deliver 100% VA financing. The permanent loan can use a VA IRRRL streamline later, with no new appraisal, if rates improve after you move in.

Jumbo Construction to $4.5 Million

For builds above your county's conforming limit, including high-value primary residences, second homes, and custom projects. Minimum 720 FICO. Projects above $4.5 million are reviewed through our loan committee, and a strong equity position with good compensating factors often gets them done.

ITIN Construction

A One-Time Close, ground-up construction program for primary residence borrowers who file taxes with an Individual Taxpayer Identification Number. Minimum 680 FICO. We are one of very few direct construction lenders offering this at all.

Second Home and Investment Construction

Second home construction runs through our Conventional and Jumbo programs. Investment construction is a Two-Time Close for 1 to 4 unit properties. Most construction lenders offer neither.

Portfolio Construction

When a file does not fit standard agency guidelines, our portfolio program gives our own loan committee the flexibility to look at the full picture rather than a checkbox.

Not sure which structure fits your build? Two minutes, no credit pull.

Check Your Eligibility ›

Property Types We Finance

Site-built using frame, brick, stone, stucco, or concrete block. Modular homes, treated identically to site-built under every program, available in all 50 states. Manufactured homes, doublewide or larger, permanently affixed to land you own or are buying, minimum 600 square feet. Barndominiums and metal or steel frame homes. Log cabins and timber frame. SIP panel, ICF, and new foam construction. Kit homes. Earth contact, where comparable sales support the appraisal. 3D printed, reviewed case by case. Multi-family from 2 to 4 units. Accessory dwelling units.

Not eligible under any program: container homes, tiny homes under 600 square feet, geodesic domes, A-frames, shop-home combinations, mixed-use properties, commercial projects, singlewide manufactured homes, and homes on leased land, rented lots, or in mobile home parks.

Exclusive Program

$50,000

Extra funds available before, at, or after closing

Qualified borrowers can access up to $50,000 in separate, unsecured funds, underwritten in-house at the same time as your construction or renovation loan. It does not depend on your equity, it does not touch your loan-to-value, and it can be drawn before you break ground, at closing, or after you move in. We are not aware of another lender in this space offering it.

What Borrowers Actually Use It For

Furnishing the finished home

A construction loan builds the house. It does not fill it. This covers furniture, appliances, and window treatments so you are not moving into empty rooms.

Going over budget

Builds run long and costs move. Having a separate source of funds already approved means a mid-build overage does not stall your project or force a change order.

Upgrades you decided on later

The finishes you wanted but cut from the budget, better cabinetry, a nicer kitchen, or the fixtures you kept going back to.

Landscaping and outdoor work

Grading, sod, fencing, a driveway, a patio, or a workshop. Items that rarely make it into the construction budget and always cost more than expected.

Adding a small structure or ADU

One family used it to put a small home on the same land for a relative. If you have the acreage, it opens options a construction loan alone will not cover.

Consolidating debt to qualify

Paying down revolving balances can improve your debt-to-income ratio, which in some scenarios helps you qualify for a larger construction loan.

See If You Qualify › Read the Full Program Details

Qualification for up to $50,000 is for qualified borrowers and can be applied across our loan programs. This is a separate unsecured consumer loan underwritten in-house at the same time as your mortgage. Proceeds cannot be used for a down payment. Approval, amount, rates, and terms depend on credit qualification and are not guaranteed. Contact your banker for applicable rates, terms, and conditions.

What to Gather Before You Apply

You do not need all of this to start. Checking eligibility takes about two minutes with no credit pull, and your banker will request items as your file moves. But borrowers who arrive with these in hand close faster and hit fewer surprises in underwriting.

Identity and Income

Government-issued photo ID, or ITIN card or letter plus a second form of ID
Two years of signed federal tax returns with transcripts
30 days of recent paystubs
Two years of employment history
Business returns if self-employed
Award letters for Social Security, pension, disability, or retirement income

Assets and Land

Recent bank and asset statements
Documentation for any large or recent deposits
Deed or title for land you already own
Current payoff statement if the land carries a balance
Purchase contract if you are buying the land
Survey or parcel information where available

Builder and Project

Signed builder contract with the full scope of work
Detailed line-item budget including a contingency
Complete plans and specifications
Builder license, insurance, and references for approval review
Draw schedule proposed by the builder
Permit status or timeline for your jurisdiction

Two items delay more files than anything else: a budget with no contingency line, and a builder who has not completed our approval review. Start both early. If your builder is not already in our network of more than 2,000 approved builders, contractors, and dealers, we will work to get them approved.

Construction Lending Terms, Explained

Construction financing carries vocabulary that does not come up in a standard purchase. Knowing these terms before your first conversation makes the whole process easier to follow, and it helps you compare lenders on the things that actually matter.

Construction loan: Financing for a home that does not yet exist. Funds release in stages as the build progresses, rather than as a lump sum at closing.
Construction-to-permanent: Any structure where the construction financing converts into a long-term mortgage at completion, rather than requiring you to find a separate loan.
One-Time Close: A single closing covering both the construction and permanent phases, with no re-qualification when the build is finished. Also called single close, all-in-one, or OTC.
Two-Time Close: Separate closings for the construction loan and the permanent mortgage, which lets you set the permanent rate at the end of the build.
Draw: A disbursement released to your builder after a phase of work is completed and verified. Construction loans fund through a series of draws, not all at once.
Draw schedule: The agreed sequence of payments tied to construction milestones, such as foundation, framing, mechanicals, and completion.
Draw management: The administration of inspections, verification, and disbursement throughout the build. Whether your lender does this in-house or outsources it determines who you deal with for the next year or more.
As-completed appraisal: A valuation of the home as if it were already finished, based on your plans and specifications. This is the number your loan amount must fit within.
Loan-to-cost: Your loan amount measured against the total cost to build, including land, hard costs, soft costs, and closing costs.
Loan-to-value: Your loan amount measured against the appraised value. Construction lenders typically qualify on the lesser of loan-to-cost or loan-to-value.
Combined loan-to-value: All liens against the property added together, measured against the appraised value. This is the figure that governs second lien financing.
Contingency reserve: A required cushion built into the construction budget for cost overruns. A budget submitted without one is among the most common reasons a file stalls.
Builder approval: The lender's review of your contractor's license, insurance, financial standing, and build history. Required before funding on every program.
Interest-only period: During construction you typically pay interest only on the funds drawn so far, not on the full loan amount, which keeps payments low while you build.
Take-out loan: A separate permanent mortgage used to pay off a construction-only loan at completion. Structures that convert automatically do not require one.
Land equity: The value of land you already own, applied toward your down payment. Not every lender allows this, and it is often the difference between cash to close and none.
Administrative fee: A charge layered on top of standard origination, often by intermediaries in the lending chain. On construction loans these can reach $40,000 to $100,000 and can push a loan past what the home appraises for.
Direct lender: An institution that underwrites and funds with its own money and keeps the loan in-house. Distinct from a broker, who places your file with another lender, and a correspondent, who funds then sells it.
Conforming limit: The maximum loan amount eligible for purchase by Fannie Mae and Freddie Mac, set annually by county. Above it, financing becomes jumbo. Look up the 2026 limit for your county.
Permanent conversion: The point at which construction financing becomes your long-term mortgage, following final inspection and certificate of occupancy.

Two of these deserve extra attention when you are comparing lenders: draw management, because it determines who answers the phone during your build, and administrative fee, because it is the cost most likely to appear late and most likely to create an appraisal gap at closing.

Construction Loan Guides and Program Details

Deeper reading on specific programs, property types, and the parts of construction lending that catch borrowers off guard.

The Complete Construction Loan Guide BuildBuyRefi 7 Construction Loan Mistakes That Can Derail Your Project BuildBuyRefi Barndominium Construction Loans and Financing Guide BuildBuyRefi ADU Financing Guide BuildBuyRefi Can Construction Loans Be Extended? BuildBuyRefi What Happens If a Construction Loan Goes Over Budget? BuildBuyRefi FHA vs VA: The Construction Loan Comparison BuildBuyRefi Why an FHA Construction Loan May Be Your Best Path BuildBuyRefi Who Is Really Qualified to Say Anyone Is the Best VA Construction Lender? BuildBuyRefi VA One-Time Close vs Two-Time Close Construction Loans VA Nationwide What Happens If a VA Construction Loan Goes Over Budget? VA Nationwide Manufactured and Modular Construction Loans Manufactured Nationwide

Straight Answer

Why We Do Not Offer Self-Build Construction Loans

No program we offer allows the borrower to act as their own general contractor, serve as the builder of record, or use an unlicensed family member as the builder. We would rather tell you that up front than after you have spent weeks on an application.

This is not a judgment about your ability. It is about risks a lender cannot underwrite.

There is no enforceable timeline

A licensed builder signs a contract with completion dates. A self-build has no counterparty to hold to a schedule, and construction loans have terms that expire.

There is no backup if something happens to you

Injury, illness, or a change in your circumstances stops the build entirely. A contractor has a crew. Nobody can predict the future, which is exactly the point.

Budgets run over more often

Scope changes and upgrades are far easier to make when you are the one building. Self-built projects also take longer, and longer builds cost more.

Permitting is unforgiving

Requirements vary by jurisdiction. A missed permit or a failed inspection from unfamiliarity with local code can halt a project for months.

Over-building and under-building both hurt you

The appraisal is based on the finished home against local comparables. Building beyond what the market supports means the loan will not cover your cost.

A stalled build has no exit

When a self-build stops, the lender holds a partially finished home that will not appraise and cannot be occupied. That risk has to be priced or declined.

We genuinely respect people who want to build their own home, and self-building can work with substantial cash, real experience, and patience. Those are things a lender cannot verify in advance. If you decide to hire a licensed general contractor, come back. We will finance it. A licensed, experienced family member may also qualify, subject to our builder approval review.

Tell us what you are building.We will tell you if we can fund it.

Check Your Eligibility › Call (844) 999-0639

Files turned down elsewhere are reviewed by our in-house loan committee. 2 minutes, zero credit impact to see your options.

Common Questions

Construction Loan Lender Questions, Answered

What is the difference between a direct construction lender and a broker?

A direct lender underwrites, funds, and manages your loan with its own money and its own team. A broker places your file with a wholesale investor and is no longer managing the loan after closing. A correspondent funds initially, then sells the loan. With brokers and correspondents, your draws, inspections, and timeline questions typically transfer to a third party you have never spoken with.

What credit score do construction loan lenders require?

Ours start at a 640 middle FICO for Conventional, FHA, VA, and portfolio construction. ITIN construction requires 680. Investment construction requires 700 at up to 75% LTV, or 680 at up to 70%. Jumbo construction requires 720. Below 640 we look at compensating factors, land equity position, and whether there is a realistic path to move your score.

Can I use land I already own as my down payment?

Yes. Equity in land you own free and clear, or land purchased simultaneously with the construction loan, applies toward the loan-to-value calculation. In qualifying scenarios that reduces or eliminates the cash down payment entirely. If the land carries a balance, we pay it off at closing and roll it into the construction loan.

Can I renovate without giving up my low first mortgage rate?

Yes, and very few lenders offer this. We run our own portfolio construction loan and close it as a home equity loan in second position behind your existing first mortgage, up to $500,000 at up to 90% combined loan to value based on the appraised value with the work completed. Your first mortgage and its rate are untouched. Second lien is available on a primary residence at this time.

What is a Hybrid construction loan?

Our Hybrid prepares both the construction and permanent loan documents upfront, giving you a single-closing experience and one set of closing fees while keeping your permanent rate flexible through completion. If rates improve during the build, you capture the improvement at the end rather than being locked in from day one. It also allows FHA and VA streamline refinancing on the permanent loan in qualifying scenarios.

What are administrative fees and why do they matter?

Administrative fees are charges layered on top of standard origination by intermediaries in the lending chain, and on construction loans they can total $40,000 to $100,000 or more. Because construction appraisals are based on completed value, embedded fees can push your loan amount above what the finished home appraises for, creating a cash gap at closing. We charge no administrative fee layer because we are the lender, not a middleman.

Can I act as my own general contractor?

No. No program we offer permits self-build, owner-as-contractor, or an unlicensed family member as builder of record. Construction loans require an approved, licensed builder because timeline enforcement, completion risk, and appraisal outcome all depend on it. A licensed, experienced family member may qualify subject to our builder approval review.

How large a construction loan can you write?

Up to $4.5 million on jumbo construction with a 720 minimum FICO. Projects above that are reviewed through our in-house loan committee, where a strong equity position and good compensating factors are often enough to get them approved. Purchase and refinance jumbo financing goes up to $10 million.

How do construction draws and inspections work?

Funds are released to your builder in stages as work is completed. Before each draw, an inspection confirms the work was finished as planned and meets local building and zoning requirements. Your builder is never paid for work that has not been done. Our draw management is handled entirely in-house, with no handoff to a third-party servicer at any point in the build.

What happens if my build runs past the loan term?

Extensions are available subject to program guidelines and reviewed case by case. Permit delays, material availability, weather, and subcontractor scheduling are outside anyone's control. The most important thing a borrower can do is talk to their construction specialist well before the term expires rather than after.

Do you finance manufactured, modular, and barndominium construction?

Yes. Modular homes are treated identically to site-built under every program, in all 50 states. Manufactured homes doublewide or larger are eligible when permanently affixed to land you own or are buying, with a 600 square foot minimum. Barndominiums, metal and steel frame, log, timber frame, SIP, ICF, foam, kit homes, and 3D printed construction are all eligible under qualifying programs.

Do you lend in every state?

Yes. We are licensed in all 50 states with no territory restrictions, which is unusual in construction lending. Many construction loan lenders operate regionally, so a program available in one state simply does not exist a few hundred miles away. Our builder and dealer network exceeds 2,000 participants nationwide.

Ready When You Are

You do not need everything figured out to start.

Most people who call us are still deciding between building, renovating, or buying, and still working out land, builders, and budget. That is exactly the right time to talk. A short conversation now saves weeks later, and it costs you nothing but the call.

Check Your Eligibility › Call (844) 999-0639

2 minutes, zero credit impact. No SSN and no credit pull to see your options. Or call and talk to a real person, 24 hours a day, 7 days a week.

$4.5MConstruction Ceiling

50States Licensed

2,000+Approved Builders

100%In-House, Never Brokered

As Seen In

Construction Loan LendersAre Not All the Same

What Should You Look For in a Construction Loan Lender?

Which Construction Loan Fits Your Project?

What Makes a Construction Loan Lender Different

In-House Lending and Why It Changes Your Cost

Questions to Ask Any Construction Loan Lender

Are there administrative, processing, or program fees beyond standard origination?

Will my loan be underwritten and funded by your institution, or placed with someone else?

Who manages my construction draws and inspections after closing?

Will the same person who opened my file still be there at final draw?

What happens if my project needs a timeline extension?

What is your maximum loan amount, and do you lend in my state?

Do you finance my specific property type?

Can land I already own count toward my down payment?

One-Time Close, Two-Time Close, and Hybrid Construction Loans

One-Time Close

Two-Time Close

Hybrid Construction Loans

Comparing the Three Structures

Second Lien Construction and Renovation Loans

Construction Loan Programs Available

Conventional and FHA Construction

VA Construction

Jumbo Construction to $4.5 Million

ITIN Construction

Second Home and Investment Construction

Portfolio Construction

Property Types We Finance

Extra funds available before, at, or after closing

Furnishing the finished home

Going over budget

Upgrades you decided on later

Landscaping and outdoor work

Adding a small structure or ADU

Consolidating debt to qualify

What to Gather Before You Apply

Identity and Income

Assets and Land

Builder and Project

Construction Lending Terms, Explained

Construction Loan Guides and Program Details

Why We Do Not Offer Self-Build Construction Loans

There is no enforceable timeline

There is no backup if something happens to you

Budgets run over more often

Permitting is unforgiving

Over-building and under-building both hurt you

A stalled build has no exit

Construction Loan Lender Questions, Answered

What is the difference between a direct construction lender and a broker?

What credit score do construction loan lenders require?

Can I use land I already own as my down payment?

Can I renovate without giving up my low first mortgage rate?

What is a Hybrid construction loan?

What are administrative fees and why do they matter?

Can I act as my own general contractor?

How large a construction loan can you write?

How do construction draws and inspections work?

What happens if my build runs past the loan term?

Do you finance manufactured, modular, and barndominium construction?

Do you lend in every state?

You do not need everything figured out to start.