01No credit pull to ask
Find out what
you can borrow first.
Sixty seconds of typing, then a person calls you back with a real number and the reasoning behind it.
02Why bother
The cheapest hour you will spend on this.
A number before a floor plan
Knowing what you can borrow first is what stops a buyer choosing a home they then have to unchoose. It takes one conversation.
Same day, usually
A person reads what you send and calls you back. There is no automated decision at the end of this form and no credit pull to submit it.
The titling path, in writing
Land you own and a permanent foundation is a mortgage. A leased pad is a chattel loan. We will tell you which one you are in before you sign anything.
03What happens next
Three steps, none of them a sales floor.
01
Tell us where you are looking
County, whether you have ground already, and roughly what you want to spend a month.
02
We check the lending path
Conventional, FHA, VA, USDA or chattel — which ones your situation actually opens, and what each costs.
03
You get a range, not a pitch
A borrowing figure, a payment range and the site-work costs nobody quotes you until it is too late.
Pre-approval is not a commitment to lend and does not fix a rate. Terms come from the lender, not from us. Prefer to talk it through first? Call (207) 620-2627.