How it Works

1 Fill Out an Application

Use our online loan application to submit your loan details to us.

2 Meet with Us

You will meet with Kent and Susan on the land to be built on. We will check utilities, road requirements, permits, etc.

3 Sign, Notarize, & Record

Both the Deed of Trust and the Promissory Note must be signed, notarized, and recorded before you break ground.

4 Get Insurance

You will need to insure the property prior to breaking ground.

5 Funding Begins + Get Lien Waivers

At this point you can being taking draws of money. Be sure to obtain lien waivers from each subcontractor who will work on your property.

6 No Big Purchases

Do not make any major purchases or significantly alter your income at this point. Financial stability is key to keeping the loan process smooth.

7 Prep Mortgage Loan

Contact your mortgage lender at least 30 days prior to the completion date of your property so your refinance is ready in time.

Once we receive the loan application, we place you on a wait list for the month you requested or our soonest spot. This is the month we are expecting you to begin the build and start borrowing money. Please notify us if there is a delay. In most cases we can accommodate the new schedule of funding.