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Premium Programs, Minimal Loan Fees

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Construction-to-Permanent

The TRUE OTC (one-time close) construction loan with no large admin or origination fees. Lock your rate before breaking ground, up to 90% financing. Interest only during construction, then seamlessly convert to permanent financing.

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Renovation & Remodel

Transform your existing home or new purchase with streamlined reno loans. This single close home loan combines purchase and rehab up to $1 million. Interest only, flexible draw schedules, no large admin or origination fees.

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Doctor & Professional

Specialized financing designed for medical professionals, attorneys, and legal pros. Access up to 100% financing with no PMI requirement. Flexible underwriting for new practices and residents in training.

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Jumbo & Portfolio

Premium financing solutions up to $5 million for luxury properties. Access competitive rates with flexible terms and relationship pricing. Available for both primary residences and second homes.

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Investment Property

Comprehensive financing solutions for property investors and entrepreneurs. Access options for single-family, multi-unit, and unique investment scenarios. Benefit from competitive terms with portfolio lending flexibility.

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SMART® Solutions

Flexible financing for unique and non-traditional property types. Perfect for modular homes, excess acreage, and undeveloped land. Access up to 89% LTV with no mortgage insurance required.

Who's This Perfect For?

MEDICAL PROFESSIONALS

EMERGING PROFESSIONALS

RECENT GRADUATES

ATTORNEYS & LEGAL PROS

HIGH-NET-WORTH CLIENTS

DREAM HOME BUILDERS

FIRST-TIME BUYERS

PRIMARY HOME BUYERS

UNIQUE PROPERTY BUYERS

CUSTOM HOME BUILDERS

VACATION HOME BUYERS

CONSTRUCTION BUYERS

AFFORDABLE BUYERS

REMODELING HOMEOWNERS

RENOVATION BUYERS

Turn Your Vision Into Reality Today

Illustration of a house split into two styles: modern construction on the left with scaffolding and classic completed structure on the right under a cloudy sky.

Experience Our Mortgage Advantage

Our dedicated construction and renovation specialists guide you through every step. From custom builds to major renovations, you'll have a trusted advisor who understands your vision and knows how to make it happen. Access up to 90% financing with our true one-time close programs, minimal fees, and expert guidance throughout your journey.

Modern house with large glass windows and an illuminated interior designed by skilled builders. A partially constructed metal roof structure stands out against the evening backdrop, while a parked car rests in the driveway, hinting at the constructors' ongoing work.

Why More Builders, Contractors & Customers Choose Us

From affordable first homes to luxury estates, we offer flexible programs with minimal fees and maximum convenience. Lock your rate before breaking ground, enjoy interest-only payments during construction, and work with a dedicated team that manages your draws efficiently. Join thousands who trust us for construction, renovation, and purchase financing.

Modern house with large glass windows and an illuminated interior designed by skilled builders. A partially constructed metal roof structure stands out against the evening backdrop, while a parked car rests in the driveway, hinting at the constructors' ongoing work.

Why Risk Everything When You Can Start With Certainty?

Start With A Free Expert Consultation

  • Begin with a personalized review from a seasoned Vice President covering your region. Get clear direction on your options and a detailed understanding of what's possible for your specific situation.

Get Us In Your Corner

  • Secure a strong pre-approval that gives you confidence to shop. Our in-house underwriting team works directly with you, ensuring quick decisions and clear communication throughout.

Close With Confidence

  • Experience a smooth closing process with a bank that keeps your loan in-house. No selling to unknown third parties, just consistent service from a team that knows your story from start to finish.

Your Dream Home Journey Starts With One Call

Experience Our Advantage

A modern house at dusk, showcasing construction excellence, features large windows and a sleek peaked roof. In the background, a crane and architectural plans hint at the meticulous planning behind its creation.

Construction Excellence

Build your dream home with confidence using our streamlined construction financing process. Our expert team guides you from blueprint to completion.

  • True one-time close process

  • Rate locked before breaking ground

  • Interest-only during construction

  • Dedicated draw management

  • Up to 90% financing available

  • *30% RE Agent Discounts buying land

The modern house with large windows, under construction, showcases the art of Renovation Mastery. A crane looms in the background, while transparent architectural plans overlay the image's bottom, blending vision and reality.

Renovation Mastery

Transform your existing home or maximize a new purchase with great rehab solutions. Access the funds you need with expert support at every step.

  • Single close purchase & renovate

  • Up to $1 million in improvements

  • Flexible draw schedules

  • Interest-only during renovation

  • Expert project guidance

  • *30% Agent Discounts on Fixer-Upper

A split-image showcases a house before renovation on the left, looking worn, and after on the right, appearing modern and polished. A "SOLD" sign stands proudly in front, symbolizing its major purchase power transformation.

Major Purchase Power

Access powerful financing from a trusted national bank. From first homes to luxury estates, we have your perfect program.

  • Programs up to $5 million

  • Doctor & professional specials

  • Portfolio lending flexibility

  • Affordable minimal down options

  • Minimal closing costs, all in-house

  • *30% Agent Discount buying or selling

Ready to get started?

STILL NOT SURE?

Critical Questions Answered

Get expert answers about your construction, renovation, and home purchase options.

What makes Our Construction-to-Permanent loans unique?

Our TRUE one-time close process lets you lock your rate before breaking ground, with no refinancing needed after completion. Pay interest only during construction, then seamlessly convert to permanent financing with up to 90% financing available, and some of the lowest construction loan fees.

How does the construction draw process work?

Our dedicated team manages your draws efficiently with local inspections determining completion progress. Funds are typically released within 2-3 business days of request, with clear communication throughout the process.

Can I combine purchase and renovation costs into one loan?

Yes! Our renovation programs allow you to combine your purchase and improvements into a single loan with one closing. Access up to $1 million in improvements with flexible draw schedules and interest-only payments during renovation.

Do you keep and service the loans after closing?

Yes - we're different from lenders who sell your loan. We maintain all servicing in-house, providing consistent service from a team that knows your story from start to finish. Others may send you to a 3rd party after closing, that could be a nightmare working with people you never met.

What types of specialty lending programs do you offer?

We offer specialized programs for first time buyers, medical professionals, attorneys, high-net-worth clients, and unique property types. Programs range up to $5 million with flexible terms and competitive rates. Of course, we still offer standard Conventional, FHA, and VA financing.

How do I get started?

Begin with a free consultation with our seasoned Vice President who covers your region. They'll guide you through your options and help you understand exactly what's possible for your situation. Once you call us, text us, or complete an eligibility form, you'll be in immediate contact with your area V.P.

TESTIMONIALS

What others are saying

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"Exceptional Service"

"Saif and his team consistently went above and beyond throughout our entire home buying experience. Their communication was excellent, and even when challenges arose, they handled everything with grace and professionalism." -Lee F. *Client

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"True Professionals"

"Very professional team that exceeded my expectations during our entire mortgage process. Everything went exactly as they said it would, from start to finish." -Stephen M. *Client

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"Expert Guidance"

"Saif was excellent to work with! He was very knowledgeable and patient to answer all of our questions and concerns every step of the way. I would recommend them to everyone!" -Anthony L. *Builder

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"Family Treatment"

"Saif and his team were the best! They treated us just like family, with outstanding service and clear communication throughout the entire process." -Thomas M. *Client