CUSTOM BUILDS
START WITH THE
RIGHT FINANCING.
One loan finances your land, construction, and permanent mortgage — with no refinance, second closing, or restart required.
Construction financing built for custom homes across the Western U.S. Structured construction financing with clear budgets, staged draws, and permanent financing built in from day one. Forward. With Valor.
FROM LAND ACQUISITION
TO MOVE-IN.
A straightforward guide — one loan closes the land, finances the build, and converts to your permanent mortgage.
- Select your builder — they help shape your budget
- Get pre-approved and establish your build budget
- Choose your home site or bring your own land
- Land can be acquired at closing via first draw
- Rate locks before construction begins
- Finalize plans, bids, and full budget
- Appraisal based on proposed completed value
- Loan closes — land seller paid at first draw
- Draws available for permits and site development
- Track progress via Built Management Software
- Draws issued according to builder contract
- Interest-only payments during construction
- Certificate of occupancy obtained
- Loan modifies to permanent — no refinance
- Free float-down to market rate at completion
Rate Float-Down Included. Lock your ceiling rate at closing — guaranteed not to increase. 30 days before your certificate of occupancy, if market rates are lower, we automatically move your rate down. You build at today's costs and still capitalize when rates fall.
FINANCING FOR
COMPLEX BUILDS
ACROSS THE WEST.
One specialist. Every program. Custom construction to factory-built — you never have to start over with someone new.
LOANS
BUILDERS NEED
FINANCING PARTNERS,
NOT JUST LENDERS.
You define the role. You set the agreement. Work with qualified agents who bring buyers to your door — on your terms, with your standards.
- You choose the partner — your terms, your standards
- Every cost is planned — every number is yours
- Financing built so your margin stays exactly where you put it
- Staged draws and lump sum both available
- Everyone wins when the home is built
WHERE DEALS
BEGIN.
We bring solutions, you create partnerships. The right financing opens doors — and keeps them open, deal after deal.
- Solutions meet partnerships — we bring the financing, you build the relationship
-
The flywheel
Find buyer → Finance build → Sell land → Repeat
- Guide buyers through a build that lasts months, not days
- Clients who build tend to buy and sell land repeatedly
- Become their agent for life, not just one transaction
LET'S BUILD YOUR
FINANCING
STRATEGY.
One conversation with Brad is all it takes to know what you can build, what it costs, and how to get started.
NMLS #1969375 · Equal Housing Lender