Hundreds of Repeat Borrowers

95%+ of applications approved. Work with us for low rates , a dedicated representative , and potential features like 16 months with NO monthly interest payments , loans up to 100% LTC , and same day draw funding .

The responsiveness has been exceptional from day done.
Just great to work with.
I would recommend it, we use it.
BFI has definitely enabled us to grow our business.

Recently Funded

Aledo , Texas
Atlanta , Georgia
Avon , Massachusetts
Bay City , Texas
Billings , Montana
Cape Coral , Florida
Evansville , Indiana
Geneva , Florida
Inman , South Carolina
Landis , North Carolina
Lemont , Illinois
Linwood , New Jersey
Loris , South Carolina
Milton , Georgia
Port St. Lucie , Florida

Five Minute Loan Estimates

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Available Loans

SPEC (& Pre-Sales)

Rental

  • Rental Loans Rates as low as 3.9%

    Cost

    • Rates of 3.9% to 5.5%
    • 1 point

    Maximum LTV

    • 80%

    Features

    • 7 (5+2), 12 (10+2), or 17 (15+2) Years
    • 5, 10, or 15 Years at a Fixed Rate
    • 2 Year Floating Rate extension option
    • Interest only available
    • Non-recourse available
    • Cash-out Possible
  • Built to Rent One loan closing, built or fix then hold

    Cost

    • Fixed rate of 4.9% or 5.2% (assuming 740+ credit)

    Maximum LTC

    • 88%

    Features

    • 7 (5+2) or 12 (10+2) Years
    • 5 or 10 Years at a fixed rate + a 2 Year extension option at a floating rate
    • Year 1 of loan for construction
    • Interest only available

Related Products

Referral

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  • More than 19 out of 20 applications approved

    What we do:

    • NO Owner Occupants
    • Yes Builders
    • Yes Residential Investors
    • Yes Investors and GCs
    • Yes Site-Build
    • Yes Modular
    • Yes Manufactured
    • Yes SIP
    • Yes Houses
    • Yes Townhouses
    • Yes 2-4 Unit
    • Yes 5+ Unit
    • OK A Past Bankruptcy
    • OK A Past Forclosure
    • OK No Income Requirements
    • OK No Minimum Credit Score

We're Here to Help

Work with Builder Finance

  • Why Work with Us?

    We work hard + smart to be the best residential lender.

    Cost

    Bank-like pricing.

    Focus

    We know home building.

    Certainty

    We are a direct lender.

  • Who We Lend To
    Custom Builders Two great options for Custom Builders are Spec Revolvers and Construction Loans . Spec Revolvers offer years to build and sell at an interest rate as low as 6.99%. Spec Revolvers are available up to $5,000,000. Construction Loans include numerous benefits such as a 0.0% pay rate (no monthly interest payments). Construction loans are available up to $2,500,000. With both, ask us how to get a 100% advance rate.
    Semi-Custom Builders This is our sweet-spot! We can help you grow your business.
    Production Builders There are 2 great ways to borrow. Spec Revolvers offer up to 100% LTC and you can re-borrow money multiple times without additional fees. Construction Loans feature numerous benefits such as a 0.0% pay rate (no monthly interest payments). Also ask about our model home financing and other features geared for production building.
    Fix-Flippers We offer great pricing and terms in our Fix-Flip Loans : 2 points and a 5.99% interest rate for repeat clients (have repaid 1 or more loans).
    General Contractors A general contractor’s experience can help its client qualify for a larger loan. The GC can be paid out of loan proceeds. We can help GCs win fee business and we can lend to them for their own spec work.
    Construction Investors Access great terms as professional builders with our Construction Loans .
    Rental Property Investors Numerous rental loan options available for rental investment properties.
    Forgein Investors We can finance your investments!
    Brokers and Referral Partners We PROTECT brokers and other referral partners. Referrals are a HUGE part of our business.
    Land Buying land? Before you close, learn how 100% financing is possible. Call us to learn more. Selling land? We can help make you more money. Call to learn more.
    Model Homes We want your project to succeed! We may be able to finance your model home – construction and hold. Call us to discuss.
    Manufactured/Modular/SIP/Pre-Fab/Off-Site Build We want to finance as much good product as possible! Call us to learn more.
    Realtors Selling land or an old house? Connect with us and learn how we can help you get a deal done.
  • Where We Lend

    BFI will lend in the continental U.S. except North Dakota, Mississippi, West Virginia and Vermont.

  • Meet Us In Person

    Let's talk in person at an upcoming event.

    July 15 - 16 Kissimmee, FL Southeast Building Conference SEBC
    July 21 - 22 Atlanta, GA Atlanta Build Expo
    July 25 - 28 Las Vegas, NV SFA VEGAS
    August 11 - 14 Providence, RI JLC LIVE Residential Construction Show
    September 1 - 4 Orlando, FL FAMP State Convention
    October 18 - 20 Miami, FL IMN ABS East

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Contact us with questions or to get started with a loan from BFI

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