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Homebuyers Homeowners Investors Business Owners Developers Fix & Flip Build a Home
Home Construction

Build the home you actually want, financed the right way.

Whether you're buying land and building from the ground up or working with a builder on a new construction home, the financing process works differently than a standard purchase. We help you understand construction-to-permanent loans, draw schedules, and what to expect at each stage.

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No obligation No hard pull until you're ready Real options, not estimates
Who reaches out to us
  • Buying land and planning to build
  • Working with a builder on new construction
  • Need to understand construction-to-permanent financing
  • Want to know how draws and inspections work during the build
  • Trying to time financing around a build timeline
  • Comparing building new vs. buying existing
How it works

How EBBS works for new construction buyers

We collect what matters and move you toward options. No teaching inside the intake.

01
Construction loan structure first

We map the loan type to your situation — whether that's a construction-to-perm, a stand-alone construction loan, or a new-build purchase loan through a builder.

02
Draws, timelines, and inspections

Construction loans fund in stages. We walk you through what a draw schedule looks like and what inspections happen at each milestone before funds are released.

03
Permanent financing from day one

The construction loan is temporary. We plan your permanent financing alongside the build so there are no surprises at the finish line.

Who this is for

This is for you if…

  • ✓You want to build instead of buying an existing home
  • ✓You're under contract with a builder and need to understand your financing options
  • ✓You've found land and want to know how to finance the build
  • ✓You want to understand what a construction loan actually looks like before committing
  • ✓You're comparing building new vs. buying existing and need the full financial picture
  • ✓You need a lender who understands construction timelines and builder contracts
What we look at

Land, builder, timeline, permanent exit.

Construction financing starts with the project. We look at what you're building, who you're building with, and how the permanent loan fits at the end.

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What happens next

Here's exactly what to expect

1
Tell us about your build
Land or builder contract, construction timeline, expected completion, and what the finished home looks like.
2
Structure the construction loan
Construction-to-perm or two-close — we identify the right structure based on your timeline and builder requirements.
3
Draws and milestones
Funds release in stages tied to construction progress. We manage the draw process alongside your builder.
4
Permanent financing at completion
At certificate of occupancy, the construction loan converts to — or is replaced by — your permanent mortgage.
Explore Construction Financing →

Once we see your application come in, we will work up some options for you and let you know what you're looking at.