Builders

A Lender Your Buyers Can Count On

You’ve done the work to win the client. The last thing you need is a loan that stalls the job or falls apart near the finish line. I help more of your buyers get to yes, keep draws moving, and keep you in the loop from contract to final draw.

Partner With Me See the page for your buyers

Sound Familiar?

These are the things that cost builders time, money, and sales. They’re also the things I work hardest to prevent.

  • Buyers who think they need 10-20% downThey walk away before they ever talk to a lender, and you lose the sale.
  • Buyers turned down somewhere elseMany lenders use tougher rules for construction loans. We don’t: if your buyer qualifies for the final mortgage, they can qualify for the construction loan.
  • Slow drawsYour crew waits, your subs get frustrated, and the schedule slips.
  • A lender who goes quietYou call for an update and hear nothing back.

What You Can Expect From Me

  • A dedicated construction managerMy team includes a construction manager and draw specialist who handles inspections and draw requests, so your crews keep working.
  • Regular updatesYou and your buyer hear from me at each step, without having to chase me down.
  • Quick answersWhen you have a question, you get a real answer from me, not a voicemail box.
  • A team that knows constructionYou work with me and my construction manager from preapproval to the final draw.
  • Problems solved up frontI look closely during preapproval, so issues come up early and get handled, not at the closing table.
  • One-time or two-time closeWe offer both, so your buyer can choose what fits their plans.
  • Low and no down payment optionsAvailable through VA, USDA, FHA, and Conventional programs for qualified buyers.
  • Renovation loansFHA 203(k) and Fannie Mae HomeStyle, and our own Renovation Product, based on what the home will be worth when the work is done.

How We Work Together

  • 1Send me your buyerEarly is best. The sooner I talk with them, the sooner we know what they can do.
  • 2Preapproval up frontYour buyer knows their budget before signing, and you know they’re serious.
  • 3Contract, plans, and budget reviewI review your paperwork and help get you approved as the builder if needed.
  • 4ClosingWe close the loan so work can begin.
  • 5Draws as work is doneAs each stage is finished and inspected, my construction manager gets funds released to you.
  • 6Final draw and move-inYour buyer gets the keys, and you get your final payment.

Builder Questions

  • Do I need to be approved as a builder?Yes. I’ll walk you through what’s needed and start it early so it doesn’t hold up your buyer. Some programs, like VA, have their own builder rules.
  • How do draws work?As each stage is finished and inspected, funds are released. My dedicated construction manager handles the draws and will go over the draw schedule with you before closing so you know what to expect.
  • How will I know where things stand?I’ll update you and your buyer at each key step, and you can reach out to me anytime you have a question.
  • What if my buyer was turned down somewhere else?Send them to me. If they qualify for the final mortgage, they may qualify for the construction loan.
  • Do you work with renovation contractors too?Yes. Renovation loans work much the same way, with the contractor paid as work is completed.

Preferred Lending Partnerships

Want to work together more closely? Ask me about becoming a preferred lending partner, including co-marketing and options that may help your buyers with closing costs.

Ask About Partnerships

Partnership options are subject to program guidelines and applicable law.

Share With Your Buyers

Copy and paste this onto your website, into emails, or into your buyer packet.

Thinking about building or renovating? You may need less down than you think. Learn about construction and renovation loans with Judi Melton, Mortgage Advisor: mylenderjudi.com/construction-renovation

Let’s Talk

Let’s grab a coffee or hop on a quick call. I’d like to learn how you work and how I can help your buyers get to the finish line.

Partner With Me

Judi Melton, Mortgage Advisor | NMLS #2178010 | All Western Mortgage, Inc. NMLS #14210

This is not a commitment to lend. All loans are subject to credit approval, property appraisal, and program guidelines. Borrowers must qualify. Loan programs and terms are subject to change without notice, and not all applicants will qualify. Borrowers are responsible for closing costs, which cannot be financed into the loan. VA loans are available to eligible veterans, service members, and surviving spouses. USDA loans are limited to eligible properties and household income limits. FHA, VA, and USDA loans are not issued by or endorsed by the fede