HELOC vs. Cash vs. C2P Add-Ons: Funding Upgrades and Overages the Smart Way
Learn how to fund home upgrades and overages smartly using cash, HELOC, or C2P add-ons. Protect your rate, appraisal, and sanity during construction.
Construction Loan
Construction Loan Closing Costs: 17 Line Items Explained—and How to Cut Each One
Learn how to cut construction loan closing costs with our guide to 17 line items. Discover negotiable fees and save thousands on your build project.
Tax Credits, Utility Rebates, and Mortgage Points: Reduce Your Total Cost of Capital on a New Build
Learn how to slash your new home’s total cost of capital using tax credits, utility rebates, and mortgage points. Expert strategies to save thousands and imp…
Escrow Holdbacks, Contingencies, and Reserves: Protecting Cash Flow in a Construction Loan
Protect construction loan cash flow with escrow holdbacks, contingencies, and reserves. Learn how to prevent project delays and ensure smooth funding from st…
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…
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…
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 …
FHA One-Time Close (OTC) Explained: The Complete Guide for First-Time Builders
Learn how FHA One-Time Close simplifies building your first home: one loan, one closing, no refinancing. Get the complete guide for first-time builders.
How to Negotiate Better Interest Rates for Your Construction Loan
Learn to negotiate construction loan rates and save thousands. Master timing, lender competition, and key terms like LTV, DTI, and loan structure for better …