Your build schedule doesn't wait for underwriting. I partner with custom builders and developers across Boise, Eagle, Meridian, and Star to deliver fast pre-approvals, smooth draw management, and closings that stay on your timeline.
Most lenders can originate a mortgage. Very few can keep up with a construction timeline. When your buyer's financing stalls at framing, when a draw gets held up because the lender's underwriter has never seen a construction disbursement schedule, when a pre-approval falls apart because nobody verified the buyer could actually handle a jumbo construction loan, that costs you real money and real time.
I built my lending practice specifically around the build process. I know what a draw schedule looks like, I understand the difference between vertical financing and a single-close construction-to-perm, and I've worked with enough builders in this market to know what keeps projects on track and what kills deals. When you send a buyer to me, the financing won't be the thing that slows you down.
Every builder operates differently. Whether you're doing custom one-offs or developing communities, the buyer financing needs to match your model.
Your buyer closes once before the first shovel hits dirt. The loan covers land, construction, and permanent financing in a single transaction. Interest-only payments during the build, then automatic conversion to permanent financing at completion. Less risk for your buyer, fewer delays for you, one less closing to coordinate.
Construction timelines don't fit inside a 60-day rate lock. Extended lock programs offer rate protection for new construction with float-down options, so your buyers aren't sweating rate movements while you're hanging drywall. Locks available for extended periods with flexible terms.
Building on spec or carrying inventory? Forward commitments allow your buyers to lock financing on homes that aren't yet complete. Sell further out, reduce carrying costs, and give buyers confidence to commit earlier in the build process.
When you send your buyers to me, they get fast pre-approvals, clear communication throughout the build, and closings that happen on your timeline. I learn your communities, your price points, and your construction process so I can speak to your buyers with the same confidence you do.
Draws should be predictable and fast. Here's how the process runs from pre-approval through certificate of occupancy.
I review your license, insurance, financials, and track record. This happens once. After you're approved, every buyer you send goes through a streamlined pre-approval process. Your buyers are qualified before you break ground.
You provide construction plans, a line-item cost breakdown, and projected timeline. I order a "subject to completion" appraisal based on the finished home value. The loan-to-value is based on the lesser of the appraised value or the purchase price (lot cost plus construction costs).
On a single-close loan, we close before construction starts. Your buyer's rate is locked, the financing is done, and you have a funded deal. No second closing at the end.
Disbursements are tied to completed milestones confirmed by inspections: site prep, foundation, framing, mechanicals, finishes, final. A third-party construction management company handles the draw schedule, and each disbursement is approved by both the builder and the borrower.
Once the certificate of occupancy is issued, the loan converts to permanent financing automatically. Your buyer moves in, you get paid, and the project is done. No re-qualifying, no second appraisal, no additional closing costs.
If we haven't worked together before, here's what I need to get you approved in the system.
Once approved, every future buyer you send goes through a streamlined process. The builder approval doesn't need to be repeated.
I know how construction timelines work and how draws move through the third-party management company. When something comes up between inspections and disbursements, I coordinate so your subs get paid on time.
When I pre-approve a buyer for your community, they're fully underwritten. Not a surface-level pre-qual that falls apart when the appraiser shows up. Your sales team can sell with confidence.
Construction has enough variables. The lender shouldn't be one of them. I build margin into every file and communicate proactively so your project closeout date holds.
Jumbo construction, custom builds on acreage, buyers with self-employed income, relocation buyers from out of state. I handle the financing scenarios that make other lenders hesitate.
You'll have my cell. When something comes up on a job site that affects the financing, you call me directly. No assistant, no call center.
I work in the Treasure Valley. I know the builders, the neighborhoods, the appraisal challenges in the foothills, and what it takes to close in Eagle vs. Star vs. Nampa.
Whether you're a custom builder doing one home at a time or a developer breaking ground on a new community, I want to be the lender who keeps your projects moving.