UNCOMMONLY GOOD
Construction Solutions

Ready to turn your home building or renovation dreams into a reality? You’re in the right place! Our diverse range of loan programs offers something for everyone, from the Cap Rate Advantage Program, which provides an extra layer of security against rising interest rates, to the USDA construction loan, designed specifically to help rural and suburban families build their dream home.

With flexible financing options, low interest rates, and a range of benefits, we’ll help you find the perfect loan program to match your specific needs.

FNMA conventional construction loans offer a unique blend of flexibility and affordability, making it easier for you to turn your vision into a reality. Whether you’re experienced or a first-time home builder, FNMA’s loan program is designed to help you get the funding you need to make your project a success.

• Single close
• Owner occupied (1 unit)
• Interest-only payments during construction
• Primary residence, 95% LTV
• 680 minimum credit score

With the VA construction loan, eligible veterans and military members can access affordable financing options to help bring their home building dreams to life. The VA construction loan program offers a range of benefits.

• Single close
• Owner occupied (1 unit)
• No payments for buyer until build is complete
• 100% LTV
• 660 minimum credit score
• Finance up to $1,000,000

Building your own home is a once-in-a-lifetime experience, and the FHA construction loan program is the perfect tool to help bring that experience to life. With the FHA construction loan, you can create a living space that truly reflects your personality, style, and needs. You’ll be free to design every aspect of your home from the ground up, from the number of rooms to the type of flooring.

• Single close
• Owner occupied (1 unit)
• Interest payments can be made by borrower or builder
• 660 minimum credit score
• 96.5% LTV

Building your own home is a journey like no other. Unlike traditional construction loans, Non-QM loans are designed to cater to the needs of a wider range of borrowers. This means that even if you don’t fit into the mold of a typical home builder, you can still secure the funding you need to bring your dream home to life. With Non-QM construction loans, you can create a living space that truly represents who you are without being limited by rigid lending standards.

• Single close
• Primary, second, and investment properties
• Loans up to $2M
• Interest-only payments during construction
• No mortgage insurance required
• 85% LTV with 720 FICO, 80% LTV with 680 FICO

Unlike traditional construction loans, USDA construction loans are specifically designed to help rural and suburban families achieve their home building goals. With the USDA construction loan program, you can access affordable financing options, low interest rates, and a range of flexible terms to help make your home building journey a success. But what really sets USDA construction loans apart is their commitment to helping families in rural and suburban areas achieve their dreams.

• Single close
• Owner occupied (1 unit)
• No payments for buyer until build is complete
• 100% LTV
• 660 minimum credit score

Building your own home is a journey of self-expression, and the FNMA Construction Only loan program is here to help you bring that journey to life. Unlike traditional construction loans, FNMA Construction Only loans are designed to provide you with the funding you need to build your home without hassle.

• Two-time close
• Up to 15 months build time
• Interest-only payments during construction
• 90% LTV
• 700 minimum credit score

Bringing new life to an old space is a journey of transformation, and renovation loans are perfect for you, and the renovation loan program is designed to help you make that journey a success. Whether you’re looking to update your kitchen, add a new bathroom, or completely remodel your home, renovation loans can provide you with the funding you need to make your vision a reality.

• FNMA Homestyle
• FHA 203K

The Cap Rate Advantage Program offers borrowers a unique opportunity to secure favorable loan rates. By allowing you to lock in a capped rate, the program provides an extra layer of security and peace of mind against any potential financial strain rising interest rates may bring. That way, no matter how volatile the market becomes, your loan’s interest rate will never exceed its specified amount.

• Single close
• Up to 12 months build time
• Available for conventional, FHA and VA
• Borrower must qualify at above current market rate which will be the capped rate
• Borrowers may be eligible to reduce their permanent rate at time of completion if certain criteria is met

Are you ready to take the next step toward your home building or renovation dream?

Our team at Go Mortgage is dedicated to helping you find the best loan program to match your needs and make your vision a reality. For more information on our loan programs or to start the application process today, reach out to us.

Sean Morrow
SVP Acct. Executive – TPO Construction
614-595-2505
smorrow@gomortgage.com