Builders and developers need more than a lender — you need a financing partner who understands land acquisition, project timelines, draw schedules, absorption rates, buyer qualification, and execution.
When you partner with Ebonie Beaco of Home Loans Network, you gain access to 240+ mortgage lenders, real-time pricing intelligence, and builder-focused loan strategies designed to keep projects moving from raw land to sold inventory.
Through Home Loans Network, I operate within The Mortgage Supermarket — a wholesale platform that allows builder and developer projects to be matched with the right capital source at every stage, not just one bank.
This gives builders and developers:
→ Multiple capital sources for land, construction, and take-out financing
→ Competitive pricing driven by lender competition
→ Faster execution through lender-to-project alignment
→ Financing solutions for builders and end buyers
→ Flexibility when one lender’s guidelines don’t fit the deal
Whether you’re developing individual lots, spec homes, or full communities, financing is structured strategically — not reactively.
Before construction starts, land financing is critical. I work with lenders that specialize in:
→ Vacant lot loans (residential & investor-owned)
→ Raw land loans
→ Improved land loans
→ Unimproved land loans
→ Infill lot financing
→ Agricultural-to-residential land loans
→ Builder-held lot financing
→ Land acquisition loans for developers
→ Land bridge loans prior to construction
These programs support site acquisition, entitlement, and pre-development phases, giving builders the flexibility to secure land before vertical construction begins.
Once land is secured, I help structure builder and construction financing aligned with your build cycle:
→ Ground-up construction loans
→ Construction-only loans
→ Construction-to-permanent (C2P) loans
→ Spec home construction loans
→ Custom home construction loans
→ Lot + construction loans
→ Builder lines of credit
→ Developer financing for multi-unit projects
Loans are structured around draw schedules, inspections, milestones, and timelines, helping maintain cash flow and momentum.
Bridge financing is often the connector between land, construction, and permanent financing.
Available bridge solutions include:
→ Land bridge loans
→ Acquisition bridge loans
→ Builder bridge loans
→ Construction bridge loans
→ Refinance bridge loans
→ Inventory carry loans
Bridge loans allow you to secure land, start construction, or carry completed inventory while permanent financing or buyer take-out loans are finalized.
Financing the buyer is just as important as financing the build. I help expand your buyer pool with:
→ Conventional loans (including 3% down options)
→ FHA loans (builder-approved projects supported)
→ VA loans (VA builder approvals supported)
→ USDA loans (eligible rural developments)
→ Jumbo and high-balance loans
→ Bank statement & P&L loans for self-employed buyers
→ ITIN loans
→ Foreign national loans
→ DSCR loans for investor buyers purchasing new construction
The result: more qualified buyers, fewer fall-outs, and faster absorption.
To help builders move inventory and increase affordability, I work with a wide variety of down payment assistance (DPA) programs, including:
→ State housing authority programs
→ Local city and county DPA programs
→ Grant-based assistance
→ Forgivable second mortgages
→ Deferred-payment assistance
→ Employer-assisted housing programs
These programs reduce buyers’ cash-to-close, expanding demand for your homes.
Builders don’t have time for slow approvals or surprises.
With deep underwriting and execution experience, I help:
→ Pre-qualify buyers early in the build cycle
→ Identify issues before contracts are written
→ Match buyers with lenders that close on time
→ Reduce financing-related fall-outs
→ Align loan timelines with construction schedules
This keeps projects on schedule and closings predictable.
As a builder or developer partner, you gain access to Loan Factory IQ, a powerful platform that provides real-time mortgage rate intelligence tied to your specific project.
→ View real-time rate scenarios based on your homes, price points, and buyers
→ Understand buyer affordability as rates fluctuate
→ Set realistic pricing, incentives, and concessions
→ Support your sales team with accurate financing data
→ Help buyers commit earlier with confidence
Instead of guessing how rates impact absorption, you can see it in real time and adjust proactively.
Builders and developers partner with me because they get:
→ Access to 240+ lenders
→ Vacant land, lot, construction, and bridge financing
→ Buyer loan programs that expand your sales funnel
→ Down payment assistance that increases affordability
→ Real-time rate intelligence through Loan Factory IQ
→ Speed, execution, and strategy aligned with your project timeline
This is not just mortgage lending — this is end-to-end project financing support.
If you’re acquiring land, building homes, or developing communities, your financing partner should support every phase of the project.
Let’s align:
→ Land & lot financing
→ Construction & bridge capital
→ Buyer loan programs
→ Down payment assistance
→ Real-time rate strategy
Partner with Ebonie Beaco of Home Loans Network and put 240+ lenders and real-time mortgage intelligence to work for your projects.
Empowering Homeowners. Financing Investors.
Let’s build something great together.
Home Loans Network is a marketing brand of Ebonie Beaco, a licensed Senior Mortgage Loan Originator.
Mortgage services are provided through Loan Factory, Inc. | NMLS #320841, an Equal Housing Lender.
Ebonie Beaco | NMLS #2389954
Licensed in:AL, AR, GA, IL, IN, KY, MI, MO, VA
Any referral to Ebonie Beaco or Home Loans Network is made without expectation of compensation, referral fees, or anything of value in exchange for the referral.
Referral partners do not receive payment, incentives, or other consideration for referring clients, in full compliance with the Real Estate Settlement Procedures Act (RESPA).
Clients are not required to use Home Loans Network or Loan Factory, Inc. and are free to select any lender or mortgage provider of their choice.
Loan terms, rates, and program availability are subject to borrower qualification, underwriting approval, and property eligibility. Not all loan programs are available in all states.
Licensing information is available at NMLSConsumerAccess.org.
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