Get Approved Today
Get Approved Today

Builder Program (Pre-Constructions, Newly Built)

Book A Builder Program Consultation

Support your sales with financing that actually closes.

When you sell pre-construction or newly built homes, the hardest part is often not finding buyers—it’s getting every deal funded cleanly on possession day. Different closing dates, changing rate environments, buyers at varying levels of readiness, and lender conditions that show up late can create friction for your team and your clients. The Builder Program is designed for builders who want a consistent, reliable financing path for their purchasers—so more firm deals actually turn into completed sales, with fewer surprises near closing.

How Lenders View Builder And New-Home Transactions

End-buyer financing on new product isn’t treated exactly like a typical resale purchase. Lenders quietly assess the project, the builder, and the buyer as one ecosystem. Understanding that lens helps prevent files stalling at the wrong moment.

Project And Builder Track Record

Lenders look at your history: type of product, completion record, delivery timelines, and how previous projects have performed. We help package that story so underwriters see consistency and professionalism instead of just another address on paper.

New-Home Agreements And Upgrade Costs

Purchase agreements with allowances, upgrades, and adjustments are more complex than standard resale contracts. We translate them into the figures lenders want: clear base price, extras, and expected closing adjustments—reducing back-and-forth when buyers apply.

Staggered Closings And Rate Volatility

With multiple possession dates across a site, buyers won’t all close in the same rate environment. We set expectations around rate holds, requalification risk, and documentation timing, so your sales and admin teams aren’t dealing with last-minute financing stress.

What The Builder Program Helps You Achieve

This isn’t a referral list; it’s a framework that sits alongside your sales process and supports both you and your purchasers from firm sale to key handover.

Higher Percentage Of Deals That Actually Fund

By tightening pre-qualification, documentation, and lender expectations early, more conditional sales survive all the way to completion—fewer cancellations and resales because financing “didn’t work out.”

Predictable Experience For Your Buyers

Your purchasers deal with a clear, repeatable process: same contact, same explanation of steps, same standard of communication. That removes guesswork for them and cuts down on financing-related questions landing back at your sales office.

Fewer Bottlenecks At Closing Time

When underwriting questions, appraisal issues, or down payment documentation are handled early, your staff isn’t pulled into emergency problem-solving when homes are ready and lawyers are chasing answers.

How The Program Aligns With Your Sales Cycle

We build the financing support around the way you actually sell—registration, launches, firming dates, and possessions—not as a bolt-on afterthought.
Step 1

Project Overview And Parameters

We start by reviewing the development: product type, price points, anticipated possession timelines, and typical buyer profile. From that, we outline realistic financing scenarios and where lender scrutiny is likely to focus.
Step 1
Step 2

Sales Team Enablement

Your sales staff gets simple guidelines they can share with buyers: approximate income and down payment expectations, key document lists, and timing for starting the approval process. The goal is to position financing as an integrated part of the purchase, not a separate chore.
Step 2
Step 3

Buyer-Level Pre-Approvals And Approvals

As purchasers firm up, we work directly with them to obtain proper pre-approvals and, closer to possession, full approvals aligned with the actual closing numbers. Issues with credit, income, or funds to close are surfaced early, not the week before keys.
Step 3
Step 4

Possession And Clean Close-Out

Near completion, we confirm lender instructions, coordinate with lawyers and buyers, and address any last-minute items (revised statements of adjustments, final appraisals) so each unit or home closes with minimal disruption to your schedule.
Step 4

Builders Who Typically Use This Program

The specifics of each project differ, but the core need is the same: reliable buyer financing that supports, rather than disrupts, your construction and sales plans.
Builder Program (Pre-Constructions, Newly Built)

Pre-Construction Condo And Townhome Projects

Where multiple units share similar layouts and staged possessions, we help standardize expectations and streamline the flow of buyer approvals through the build and occupancy periods.

Detached, Semi-Detached, And Infill Homes

For builders selling individual homes or small groups of houses, the program helps ensure each purchaser is properly vetted and ready—especially important when single cancellations have a larger impact.

Repeat Builders With Ongoing Sites

If you’re running projects back-to-back, we can develop an ongoing framework that carries from one site to the next, reducing ramp-up time and giving your team a familiar playbook.

FAQs

Ideally, as soon as an offer is accepted and conditions are in place—or earlier, for pre-qualification. Waiting until just before possession increases the risk that rules or buyer circumstances have changed.
No. The program isn’t about forcing a single lender; it’s about making sure whichever lender is used, the file is complete, structured properly, and aligned with the project realities.
Job changes, new debts, or credit issues can affect approval. We re-assess the file and, where possible, adjust strategy to keep the deal together. If there’s no viable option, you find out early enough to work on alternatives.
Yes. For move-in-ready or near-complete product, having a clear, fast financing channel can be the difference between a unit sitting or selling.

Getting Started With The Builder Program

The best time to set up financing support is when you’re planning or launching sales—not when the first buyer runs into trouble at closing. To begin, it’s useful to share: A brief outline of your current or upcoming project(s) Typical price ranges and buyer profiles Expected timelines from offer to possession From there, we’ll design a financing support framework that works alongside your sales process and helps turn more signed agreements into completed, funded deals.
Schedule Your Builder Program Consultation
Or connect by email or phone with a short project summary, and we’ll map out next steps together.
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