We are a 42 year old national provider of building materials to local code everywhere in the country.  In that capacity we facilitate the entire construction lending process by bringing the broker, their borrower, the borrower’s ‘builder of choice’ and the banker, the ‘lender of choice’ to the table in a transaction where everyone wins.

If you are a licensed mortgage broker or working under one all of the normal, customary and reasonable mortgage broker’s fees, points and yield spread premiums are yours to keep 100% guaranteed.  If you aren’t licensed you will be paid a referral fee as our longstanding business philosophy is we dance with those that brought us to the party.

You are free to use any of your lenders or we will assist you with the financing through our ‘lender of choice’ network.  All of the lenders in our network will provide 95% LTV based on the subject to appraised value, for an owner occupied single family home with a conforming loan amount [There are other programs available for 2^nd homes, spec homes and non conforming loan amounts].  These lenders are only available to you when we provide the building materials since this is our only interest in the transaction as we are not a broker, builder [we have a national GC/Builder] or banker [we can loan directly in FL, TN, KY and MO with other states coming soon].

The building materials we will provide is for an airtight weather proof shell of the home to include all structural materials and components.  If you walk around the outside of your home, everything you see is what we will provide, except for the garage door.  We always strongly recommend using a steel panel framed home because steel:

1)   Is the most environmental friendly as no trees are killed

2)   Withstands all natural disasters better than any building material, regardless of the type of natural disaster and regardless of where the dwelling is built in the world.

3)   Our supplier will have their framing crew ‘put up the home’ in about 2 weeks.  The GC will handle the site work and pour the slab.  The framing crew will then frame the home with the GC coming back in to finish the home ‘inside out’ with their subs and crew.  A certificate of occupancy is generally issued in 90 to 120 days after ground is broken reducing the building cycle in half.

4)   Is the least expensive method to build, saving tens of thousands of dollars in building costs with each dollar saved contributing to instant equity in the home.

We purchase at deep national wholesale discounts compared to the builder obtaining a nominal discount off retail prices.   The analogy is buying wholesale verses retail or buying from Costco or BJ’s verses the local retailer.  There are huge savings.

We are interested in any scenario when there is no contract to build already in place as we take a pre-approved borrower to their ‘builder of choice’ and we ask that builder to build the house.  When we do it our way, 90% of all owner-occupied single family homes with conforming loan amounts turn out to be                                      No money down, 100% financing with up to 20% instant equity.  Using our GC to build the home, based upon your client’s floor plans, will be the most cost effective method of doing so.

To start we ask for the following documents:

1)       1008

2)       1003

3)       Recent tri-merge not more than 30 days old

4)       Floor plan with elevations [architect’s rendering] in a PDF file and type roof covering

5)       Zip code where the home will be built 

6)       3 comps to support future value [get them from the internet or MLS]

We will produce:

1)       Construction Analysis

2)       Cost to Complete Estimate

When the cost to complete estimate is compared with the pricing already obtained from the borrower’s ‘builder of choice’ the borrower will be elated!  When we have a borrower agreeing to use us for the building materials we will then commence the loan process.