One Loan. One Closing.Construction Lending
Ground-up construction and major renovations — Agency and Jumbo solutions up to $3.5M with flexible qualifying options your buyers won't find anywhere else.
Every Construction Scenario. Covered.
From first-time buyers building with FHA to investors using DSCR — we have an OTC solution for every buyer your team works with.
Jumbo / Alt-Doc OTC
Six qualifying options including bank statements, P&L, asset depletion, and DSCR. Primary, second homes, and investment properties.
- Full Documentation (W-2 / Tax Returns)
- Personal Bank Statements (12 or 24 mo)
- Business Bank Statements
- Profit & Loss Statement Only
- Asset Utilization / Depletion
- DSCR — No Personal Income Docs
- Primary, Second Home & Investment
- Ground-Up & Major Renovations
Conventional OTC
Fannie Mae and Freddie Mac one-time close construction for borrowers with strong credit and traditional documentation.
- Primary & Second Home eligible
- Investment at 75% LTV / 720 FICO
- Construction term: 6, 9, or 12 months
- Fannie Mae DU & Freddie Mac LPA
FHA OTC
Low down payment construction financing for first-time homebuyers and credit-flexible borrowers.
- Primary residence only
- Interest reserve financed into loan
- DU Approve/Eligible required
- Lot equity may reduce cash to close
VA OTC
Zero down payment construction for eligible veterans and active duty service members.
- $0 down payment
- Primary residence only
- DU Approve/Eligible required
- VA funding fee may be financed
Six Ways to Qualify
Your buyers aren't one-size-fits-all. Our Jumbo OTC program offers six distinct income documentation paths.
Full Documentation
Traditional W-2 and tax return qualification for employed borrowers.
Personal Bank Statements
12 or 24 months of personal bank statements for self-employed borrowers.
Business Bank Statements
Business account deposits demonstrate income for business owners.
Profit & Loss Only
CPA-prepared P&L statement — no bank statements or tax returns required.
Asset Depletion
Qualify on liquid assets. Ideal for retired or high-net-worth buyers.
DSCR
Qualify on projected rental income — no personal income docs required.
Built for Your Buyers
Every buyer has a different story. Here's how our OTC products solve real construction financing challenges.
Ground-Up on Owned Lot
Your buyer owns the lot free and clear. Lot equity counts toward down payment — often resulting in little to no cash out of pocket.
Bank Statement Builder
Business owner with strong deposits but complex tax returns. Qualifies using 12 or 24 months of bank statements — or a CPA-prepared P&L.
DSCR Rental Construction
Real estate investor building a rental property. Qualifies on projected rental income with DSCR — no personal income docs required.
FHA New Construction
First-time buyer building their dream home with just 3.5% down. FHA OTC combines construction and permanent financing.
VA Zero-Down Build
Eligible veteran or active duty service member building a home with $0 down payment.
Jumbo Luxury Build
Affluent buyer building a custom home up to $3.5M. Asset depletion qualification for retirees or those with significant reserves.
Pre-Qualify Your Buyer in 24 Hours
We handle the complexity so you can focus on building. Send us your buyer's scenario and we'll structure the best OTC solution.
Send Us a Scenario