Construction Financing Built Around How Builders Actually Get Paid

For most builders, the hardest part of a project isn't the framing or the finish work — it's carrying the cost of the money while the home goes up. Traditional construction loans start charging interest the moment they fund, which means you're making payments for months before the home is ever listed, let alone sold.

We put together a construction financing program that works differently.

No interest or lender points until the home sells

During construction, you pay no interest and no lender points. Both are settled at closing, when the home sells — out of the sale proceeds. You're not feeding the project with monthly interest while you build, which keeps your cash where it does the most good: in the work, and in your next lot.

To be clear about what that does and doesn't mean: your equity contribution and standard closing costs still apply. What's deferred is the interest and the lender points — and for a builder running more than one project, that's often the difference between starting one more home this year or waiting.

Less of your own money to get started

Because the program offers loan-to-cost as high as 100% for qualified builders, far less of your own capital is required to get a build off the ground. Your track record matters here — the stronger your history of completed, sold homes, the more leverage and the better the pricing you'll see. Newer builders can still qualify, at more conservative advance rates.

The basics

• Rates starting under 8%
• Loan-to-cost up to 100% for qualified builders
• Up to $4 million per home
• Designed for 1–4 homes at a time
• No interest or lender points until the home is built and sold
• Available to qualified builders in 47 states and Washington, D.C.

Who it's built for

This is financing for experienced builders putting up single-family new construction — whether you're building on spec or already have a buyer under contract. If you've built and sold homes before and you're tired of construction loans that drain cash from day one, this is worth a conversation.

What you'll need to get started

The main thing we'll look at is your build history — the homes you've built and sold as the owner over the last few years, with the land cost, construction cost, sale price, and dates for each. A complete build history is required to put together any quotes, so having it ready speeds everything up. You can enter it right in the application, or download a blank spreadsheet, fill it in offline, and send it back.

We'll also want the basics on the project you're financing: the address, your land and construction costs, your estimated sale price, and whether you're acting as the general contractor.

Rates and terms shown are illustrative and subject to qualification and underwriting. An opening rate “starting under 8%” applies at funding and may adjust over the term. Equity contribution and standard closing costs apply. Program availability varies by state. NTIB Finance & Consulting arranges financing through third-party lending partners. Securities offered through Umergence LLC, member FINRA/SIPC.