New Construction Lenders

New Construction Lenders by State

Alabama

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Alaska

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Arizona

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Arkansas

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

California

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Colorado

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Connecticut

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Delaware

There is no lender placed for this area.

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Florida

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Georgia

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Hawaii

There is no lender placed for this area.

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Idaho

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Illinois

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Indiana

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Iowa

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Kansas

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Kentucky

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Louisiana

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Maine

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Maryland

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Massachusetts

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Michigan

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Minnesota

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Mississippi

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Missouri

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Montana

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Nebraska

There is no lender placed for this area.

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Nevada

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

New Hampshire

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

New Jersey

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

New Mexico

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

New York

There is no lender placed for this area.

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

North Carolina

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

North Dakota

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Ohio

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Oklahoma

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Oregon

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Pennsylvania

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Rhode Island

There is no lender placed for this area.

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

South Carolina

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

South Dakota

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Tennessee

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Texas

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Utah

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Vermont

There is no lender placed for this area.

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Virginia

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Washington

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

West Virginia

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Wisconsin

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

Wyoming

600 min FICO score
Lending offered up to $2,000,000+ loan amounts
One-time close
Primary homes (2nd home possible)
NO Self Builds. Must use an approved contractor.
Fixed-rate or ARMs available
Purchased lot considered in the down payment
No pre-payment penalties
Interest rate locked before construction begins
Commercial/investment properties are NOT eligible
Mobile and modular homes are NOT eligible

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