From “where do I start?” to breaking ground
Answer ten quick questions
Your project, land, builder, timeline, and finances — about two minutes, no credit pull.
Get your personalized roadmap
The loan program that fits, a readiness score, an action checklist, and the documents to gather.
Walk it through with Emil
A 30-year mortgage veteran reviews your plan and handles the heavy lifting.
Every path to a finished home
The right program depends on your land, your credit, your service history, and your timeline. The wizard sorts it out — here's the menu.
Conventional One-Time Close
One closing covers land and construction, your permanent rate locks before ground breaks, and the loan converts automatically when the home is done.
FHA One-Time Close
Down payments from 3.5% and flexible credit guidelines — the workhorse for first-time builders.
VA Construction
$0 down for eligible veterans and service members, land and construction included.
USDA Rural Construction
$0 down construction-to-permanent financing for eligible rural properties and incomes.
Renovation Loans
FHA 203(k) and conventional HomeStyle roll purchase and remodel into one loan, based on the after-improved value.
Lot & Land Loans
Secure the lot now, build later — and let the land's equity fund most of your future down payment.
Building in Michigan?
We know the sworn statements from the lien waivers.
Michigan's Construction Lien Act adds paperwork most out-of-state guides never mention: notarized sworn statements at every draw, statutory lien-waiver forms, and title companies that verify both before a dollar moves. We walk you through all of it — and how to pick a builder who already handles it well.
The Michigan builder's guide →A Michigan draw, step by step
- 1. Builder completes a stage and requests a draw
- 2. Inspector confirms the work is actually done
- 3. Builder submits a notarized sworn statement + lien waivers
- 4. Title company verifies waivers and updates title
- 5. Funds release — you pay interest only on what's drawn
Two minutes to a clear plan.
No credit pull, no obligation — just a roadmap you can actually follow, and an expert who's walked it hundreds of times.
Start Building Your Loan