Land Loans vs. Construction Loans: Sequencing, Refinancing, and Total Cost
Learn the key differences between land loans and construction loans, including sequencing, refinancing options, and total costs to finance your custom home b…
Financing & Loans
Explore expert tips on home design, layout planning, and architectural inspiration to help you build a house that fits your lifestyle and vision.
Loan-to-Cost vs. Loan-to-Value: The Ratios That Decide Your Construction Approval
Understand Loan-to-Cost (LTC) and Loan-to-Value (LTV) ratios to secure construction financing. Learn how lenders calculate these caps and maximize your loan …
Builder’s Risk, Course of Construction, and Wrap Policies: Insurance Your Lender Will Demand
Learn why lenders require builder’s risk, course of construction, and wrap-up liability insurance for construction loans. Protect your project and secure fin…
Rate-Lock Strategies for Long Builds: Float-Downs, Extensions, and Permanent Buydowns
Protect your budget on long builds with rate-lock strategies. Learn how float-downs, extensions, and permanent buydowns manage mortgage rate risk during cons…
New-Construction Appraisals: How They Work—and How to Avoid a Low Value
Learn how new-construction appraisals work and get expert tips to avoid low valuations. Essential guide for builders, buyers, and real estate agents.
Self-Employed or 1099? Getting Approved for a Construction Loan When Your Income Is “Messy”
Self-employed or 1099? Learn how to get approved for a construction loan with irregular income. Expert tips for contractors, freelancers, and small business …
How to Use State HFA Down Payment Assistance with Construction Loans (Without Breaking Rules)
Learn how to combine state HFA down payment assistance with construction loans legally. Avoid costly mistakes and maximize your homebuilding budget with expe…
USDA New-Construction Loans: How Rural Borrowers Can Build with Little or No Down
Learn how USDA new-construction loans help rural borrowers build homes with zero down payment. Step-by-step guide with timelines, requirements, and common pi…
Va Construction-To-Permanent Loans: Zero-Down New-Build Financing for Veterans
Discover VA construction-to-permanent loans: zero-down financing for veterans to build, remodel, or buy land. Learn eligibility, costs, and how to navigate t…
Single-Close vs. Two-Close Construction Loans: Which Structure Really Costs Less?
Discover the true cost of single-close vs. two-close construction loans. We break down fees, interest rates & hidden costs to find the best option for your c…