We lock your buyer's rate for up to a full year during construction. If market rates drop before closing, they automatically get the lower rate. This protects their payment and your sale.
Sell More Homes. Close On Time. Every Time.
Partner with a lending team that understands construction timelines and buyer qualification challenges. We bring national strength with dedicated local service.
360
Day Rate Locks
7
Day Processing
85%
Upfront Underwriting
Tired of Lender Problems Costing You Money?
We’ve heard the builder horror stories—and we’ve built our process to eliminate them.
Buyers Falling Through at Closing
"Last-minute financing issues kill deals and leave you holding completed inventory."
Our Solution: Upfront Underwriting — We catch issues at the start, not the finish line.
Rate Hikes Killing Confidence
"Rising rates during long builds scare off buyers or reduce their purchasing power."
Our Solution: 360-Day Extended Rate Locks — Payment certainty from contract to keys.
Lenders Who Don't Get Construction
"Generic lenders don't understand draw schedules, spec homes, or builder timelines."
Our Solution: New Construction Specialists — We live and breathe the build process.
Communication Black Holes
"Frustrated buyers and zero status updates lead to compounding delays."
Our Solution: Constant Communication — We work nights and weekends to keep you informed.
Built for Builders. Backed by Scale.
As America’s 6th largest purchase lender, we serve builders across all 50 states. We bring industry-leading capital and deep construction knowledge to every partnership, providing the upfront certainty you need to build with confidence.
Upfront Capital
Direct Lender Certainty
Direct Access
Fannie Mae, Freddie Mac, and Ginnie Mae Direct Lender. Fewer hoops, faster funding.
Upfront Underwriting
We underwrite at the start, protecting your profit from late-stage declines.
Sell More Homes
Make more sales by giving your buyers lending options and pricing confidence.
- Extended Rate Locks: Protect payments for up to 360 days during construction.
- Creative Qualifying: Unlock buying potential with a range of innovative products.
- Attract More Buyers: Rate buydowns and "Secure & Sell" closing cost contributions.
Improve Efficiency
Our streamlined process fits seamlessly into your current processes and timelines.
- Upfront Underwriting: We underwrite at the start, not the end, for firm answers fast.
- Fast To The Fight: Our team works nights and weekends to keep your business moving.
- Constant Communication: Stay ahead of any changes or potential delays during construction.
Increase Profits
Qualify more buyers and make the most of every deal with direct lender scale.
- No Costly Delays: Closing on time saves you from paying additional carry costs.
- Multi-Family Projects: Skilled condo team to guide you through complex projects.
- Built For Builders: We can pay or defray standard costs builders normally pay.
Supporting Your Build Process
We align with your timeline—not the other way around.
01 Upfront Underwriting
Pre-Sale
We fully underwrite buyers at the START. Get firm answers fast so you know the deal will stick.
02 Extended Rate Lock
Contract
Lock rates for up to 360 days. If rates drop, they get the lower rate. Confidence sells homes.
03 Constant Communication
Construction
Regular updates for you and your buyers. We stay ahead of any financial changes during the build.
04 Final Preparation
Pre-Closing
We work hand-in-hand with your closing agent to ensure a seamless handoff.
05 On-Time, Every Time
Closing
Zero delays. Your buyer closes on schedule, and you move to your next project.
Loan Programs Your Buyers Need
From custom builds to first-time buyers, we have the products to fit every situation.
Construction-to-Permanent
One loan covers the build and the permanent mortgage. Single close, one set of costs, and rate-lock before breaking ground.
Conventional Loans
Standard mortgages for qualified buyers. As low as 3% down with flexible terms and competitive rates.
VA Home Loans
$0 down for veterans and active military. No monthly PMI and the lowest average interest rates available.
FHA Loans
Only 3.5% down with flexible credit requirements. Higher DTI ratios allowed and gift funds accepted.
Builder FAQs
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How does the 360-day extended rate lock work?
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What is 'Upfront Underwriting'?
Most lenders underwrite at the end. We do it at the beginning. This means we verify income, assets, and credit immediately so you aren't surprised by a decline three days before closing.
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Can you handle spec home sales?
Absolutely. We are experienced with spec inventory and can often close faster than traditional lenders because we understand the builder's side of the transaction.
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Do you work with buyers who were declined elsewhere?
Often, yes. Many big banks have limited products. Because we have access to niche programs like DSCR and Bank Statement loans, we can often find a path where others couldn't.
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Do you work with custom home builders?
Yes. Our construction-to-permanent loans are perfect for custom builds, coordinating seamlessly with your draw schedule and project milestones.
- KYLE JESSEE LENDING TEAM
- MOVEMENT MORTGAGE
184 Duke of Gloucester St Suite 1B, Annapolis, MD 21401
NMLS #1212644 | Kyle.Jessee@movement.com