Mortgage services
New construction
Build with a plan that keeps financing simple and expectations clear.
Building a home lets you create a space that fits your life, but financing a build is different from buying an existing home. Funds are often released in stages as the project moves forward. We explain the process in plain language, help you prepare the right documents, and guide you through each stage so the experience feels organized and calm.
What you will learn
- How construction lending differs from a standard mortgage
- What draw schedules and inspections mean
- How to prepare budgets and timelines that lenders accept
How it works
A clear plan from first call to closing
01.
We review your build plan, timeline, and budget
02.
We confirm the right type of construction financing
03.
We explain how draw schedules typically work
04.
We submit and coordinate documentation with your builder
05.
We support each stage through completion and final mortgage setup
Documents you may need
Get organized early
We will confirm the exact list based on your situation.
- Building contract or scope of work
- Budget breakdown and timelines
- Plans, permits, and builder details if available
- Income and down payment confirmation
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Purchase
A clear mortgage plan makes buying feel calmer, easier, and more confident.
Pre Approval
Know your price range before you tour homes, so you can shop with confidence.
Investment Properties
Buy with confidence by understanding the numbers, the rules, and the strategy.
Self Employed
We translate lender rules into a clear plan that fits how you actually earn.
Frequently asked questions
Answers to common questions
What is a construction draw
A draw is a staged release of funds as the build progresses. Each stage is verified before funds are released.
Do I need a builder contract first
A detailed contract or scope is usually required so the lender can evaluate the project.
Can I finance land and build together
Often yes, but it depends on lender rules and timing. We will confirm the best structure.
What happens if costs change
We plan a buffer and update the lender if needed. Clear documentation helps keep the build on track.
How long does approval take for construction
It can take longer than a standard mortgage due to added documents. We keep the timeline clear from the start.
Ready when you are
Let's build a mortgage plan that fits you
Tell us what you are working toward and we will map out the next best step with clear numbers and a simple plan.