• 640 min credit score required – Flexible debt to income ratio for qualifying
• Flexible debt to income ratio for qualifying
• All financing percentages are based on “future” value as long as the lot is owned/on title
• 95% to $832,750 (100% is available)
• Construction loans for self employed(bank statements for income, rental income to qualify for investment properties) owner occupied to investment $500k-$3M (1-4 units) Construction to Perm 30yr fixed
• 100% of Construction costs can be financed determined by “future value” (lot equity included) appraisal
• If the lot is not owned, a minimum 5% down payment is required toward the total costs
• Plans and Builder are required to obtain a construction loan
• Primary residences and ADU’s
• Stick built, modular, manufactured, barndominium, log cabin, and home kits are acceptable. 
• Contingency fund is optional
• NO Reserves for qualifying if 680+fico
• Ask about how to qualify without your current house payment
• Up to 18 months construction period
• 30-year fixed
• One-Time Close with rate “float down” after construction
• Interest-only payments during construction based on funds disbursed monthly
• No prepayment penalty
• Owner builders not eligible – Must have an experienced builder
• Hassle-Free draw process
• Not eligible for FHA/VA loan types
• Ask about the 100% VA Construction Loan, Bridge Loans, ADU/Renovations loans

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