A team built around construction lending

We're a full-service mortgage team built around what most lenders avoid: government construction lending. FHA 203(k), VA One-Time Close, USDA Renovation — the products that require specialized infrastructure are where we live.

That infrastructure is real work. Builder approval, draw management, the as-built appraisal, the conversion to permanent financing — each step has a separate set of rules and a separate set of failure modes. Most originators won't touch these loans because one missed detail on a builder package or a contingency calculation can stall a file for weeks. We've built the team and the process around getting them across the finish line.

The niche has a way of strengthening the whole team's mortgage expertise. By the time we've guided a VA construction loan from groundbreaking to keys, we've worked through entitlement nuances, surviving-spouse eligibility, builder financials, contingency reserves, draw inspections, and the conversion mechanic — all of which inform how we handle simpler files. Conventional purchases and refinances close cleaner here because the underwriting muscle was built on harder products.

As part of Primary Residential Mortgage, Inc. (NMLS #3094), one of the largest privately-held mortgage lenders in the country, we have the product breadth and the operations team behind us to do things many smaller shops can't. As a focused team within PRMI, you get the access and attention you don't get at a call-center lender.