You've dealt with lenders who can't keep up with construction timelines. Underwriters who've never seen a draw schedule. Pre-approvals that fall apart at the framing stage. I built my lending practice specifically around the construction process so that doesn't happen to your projects.
Every builder operates differently. Whether you're doing custom one-offs in the foothills or developing a 30-lot community in Star, the 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, and one less closing to coordinate.
Construction timelines don't fit inside a 60-day rate lock. Fairway's extended lock program offers 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. This means you can sell further out, reduce carrying costs, and give buyers confidence to commit earlier in the build process. Ask me about current forward commitment availability for your projects.
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 become an extension of your sales process, not a bottleneck. I'll 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. I'll have your buyers 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 (the sum of the cost of construction plus the sales price of the lot).
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 to worry about at the end.
Disbursements are tied to completed milestones confirmed by inspections: site prep, foundation, framing, mechanicals, finishes, final. I don't manage the draws personally. A third-party construction specialty company handles the draw schedule, and each disbursement is approved by both the builder and the borrower.
Once the CO 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.
I know how construction timelines work and how draws move through the third-party specialty 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. I don't route through an assistant or a 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. That local context matters.
If we haven't worked together before, here's what I'll need to get you approved as a builder in our system. This is a one-time process.
Once approved, every future buyer you send goes through a streamlined process. The builder approval doesn't need to be repeated.
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.