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Naisha Bernat Lopez

(386) 315-1468

Financing Through a Trusted 3rd-Party Lender

To make it easier to start your renovation or custom build, we offer financing options through a trusted third-party lender. You can begin your application online here: https://www.kindlending.com/mlo/nbernat-lopez

Featured Loan Options

Construction Loans (One-Time Close / OTC)

FHA / VA / USDA — One Closing for Construction + Permanent Financing

Highlights

  • One closing for construction and permanent financing

  • FHA up to 96.5% LTV with 650 minimum FICO

  • VA up to 100% LTV with 650 minimum FICO

  • USDA up to 100% LTV with 640 minimum FICO

  • Manufactured homes require 650 minimum FICO

Borrower Benefits

  • One closing can reduce overall closing costs

  • Permanent loan interest rate is locked

  • No payments during construction

  • First payment starts after construction is complete

  • No need to requalify after construction

  • Lower costs with one appraisal and one set of closing documents

  • No expiration on credit documents or appraisal once the loan closes

Builder Benefits

  • Expanded market share with no/low down payment options

  • Lower risk: borrowers don’t need to requalify after construction

  • Options for buyers who can’t qualify for conventional/bank construction financing

  • “Fallback funds” option: access OTC funds only when needed (no required draws)

OTC Conventional Construction Loan

Construction and permanent financing rolled into one loan.

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  • Primary residence: FICO 680, LTV 90 (DU)

  • Second home: FICO 680, LTV 90

  • Manufactured: FICO 700, LTV 90

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May consider up to 95% on an exception basis if the borrower has substantial equity in a current home they will be selling.

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  • Fixed rate 15- or 30-year loan

  • Includes a construction phase followed by a permanent phase

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Renovation Loan Options

VA Renovation

  • Min FICO 580

  • 0% down payment

  • 1–2 unit primary residence

  • VA-approved condos

  • Manufactured homes

FHA Repair & FHA Rehab

  • Min FICO 580

  • 3.5% down payment

  • 1–4 unit primary residence

  • Manufactured homes

  • FHA-approved condos

  • HUD REO

USDA Repair & Reno

  • Min FICO 580

  • 0% down payment

  • 1-unit primary residence

  • Condos (USDA Repair)

  • Manufactured homes (USDA Repair)

Conventional Renovation

  • Min FICO 620

  • Min 3% down payment

  • 1–4 unit primary residence

  • 1-unit second homes

  • 1-unit investment

  • Multi-wide manufactured homes

  • FNMA/FHLMC-approved condos

Fix & Flip Financing (Investor)

For investors who need quick, flexible financing to buy, renovate, and resell.

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Program Highlights

  • Decisions and term sheets issued in hours, not days

  • Any level of investor experience

  • Credit scores as low as 660

  • Non-owner-occupied single family

  • Multi-family up to 4 units

Financing Details

  • Purchase loan amount: up to 90% of cost (based on investor experience)

  • Construction loan amount: up to 100% of cost (based on investor experience)

  • Total loan amount: up to 90% of total cost

  • Maximum after-repair value: 70% ARV LTV

  • 12-month loan term with interest-only payments

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Questions?

If you’re not sure which option fits your project, contact us and we’ll help point you in the right direction before you apply.

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