Applying for and getting approved for a mortgage and a construction loan can be the most stressful part of buying a home. On top of that, building a home makes things a bit more complicated. We’re here to help you make smart choices and get through the financing process with a little less pain.
When it comes to paying for a new home, you’re going to be dealing with two types of loans, a mortgage and a construction loan. The construction loan finances the construction of the house, and the mortgage pays off the construction loan. You move in and then pay on your mortgage.
The problem is that mortgage lenders and construction lenders aren’t even the same type of lenders. A mortgage lender functions the same way that it would if you were buying a house that was already built. You fill out a ton of paperwork, they check your financial history, etc.
A construction lender, however, is a bank. And the process isn’t the same. Banks look at different criteria and financial history. They make decisions based on the worthiness of the buyer. They look at you not just as a name on paper, but as a person. Usually they want some skin in the game and are more wary about lending.
Simply put, there are more moving parts and stress in financing new construction. But that’s where we come in.
Construction lenders are more favorable to applicants with a reputable builder. Fortunately, we’ve spent years building strong relationships with banks. Turner & Son will introduce you to one of the several bankers that we use and trust, and who trust us with your, and their, money.
We’ll be with you through every step of the financing process. Even if your credit isn’t where it needs to be to buy a new home, we’ll introduce you to credit repair and financial specialists who will help you make the right financial steps. And we’ll be waiting to build when you’re ready.
Building this home on your own land is your dream. We’re ready to be your guide and to take out some of the stress that comes with sorting out the financials.
6420 W. Memorial Rd.
Oklahoma City, OK 73142
405.285.2856
info@turnerandsonhomes.com
Turner & Son Homes is a reliable local contractor that possesses the knowledge, skills, and staff to deliver satisfactory homes to their clients. Through their time tested construction process they are able to achieve the optimal balance between schedule, cost, and quality necessary to meet their buyers needs.
Jared S. Edmond, OK January 20, 2016
The current home on our property has been in existence for over 80 years. We love our property, and made the decision to build our new house there. Turner and Son was the first company we considered and we didn’t have to look any further.
We have worked closely with Tim and Athena, along with Todd. If it weren’t for all of Athena’s efforts in our home building process, we wouldn’t have a new home! From deciding on our house plans to coming up with a plan on removing our current home from the property (and of course making sure we will be able to give Kevin his building) Turner and Son has done everything to make our experience as stress-free as possible.
I appreciate how they are extremely personable, on-schedule, and always coming up with solutions. Early on, we ran into a stressful situation with the city wanting us to remove our current home before we could begin the building process. All along our plan was to remain in our current home until we could move into our new home.
Turner and Son backed us up 100% by helping foot some of the court costs as well as standing by our sides as we went in front of the city. They helped turn around this hiccup in our home-building experience and we were able to come up with an agreement with the city. Once this was resolved, they began the building process and have kept us involved step by step. It has been very exciting to be a part of the building process each day.
They have been great about staying in communication with us and I truly appreciate how they have kept the worksite extremely clean! This says a lot about their integrity. I highly recommend starting your home-building experience with Turner and Son—you won’t be disappointed!
The Wells Family March 9, 2016
Patrick and I would like to extend a sincere thank you to everyone at Turner Homes. Your company takes pride in their work and it shows in every way.
Tim Turner went above and beyond anything we could have ever excepted to make sure we got our home. But not just a home, our dream home. Which is something we will always be grateful for.
Once we met and began the project, everything that we desired in our new home was made a reality thanks to the expert sales and design teams. They were patient, knowledgeable, and a delight to work with. The construction teams were also very professional and friendly.
Distance was a challenge in our build. Being able to use local vendors and suppliers whenever possible was something we greatly appreciated. Thank you so much for your dedication to our project, our family, and all that you have done for us.
Patrick & Billea Jarrels March 24, 2016
After persistently researching for weeks, we decided that we wanted Turner and Son Homes to build our forever home. From the first phone call and meeting to the moment we received our keys, they provided overall superior customer service. They are easy to work with and go above and beyond to execute.
Sure, there were a few bumps along the way, but you’ll have that with a new build, regardless of the company you choose. What consummated our decision to go with this company was the fact that they never pressured us to sign a contract.
First they wanted to make sure it was the best choice for our family. To me, that shows they care about more than just their company’s gain and profit. They’re very informative and helpful. In fact, without their help we wouldn’t have even been able to build.
I truly believe they are all around the best! They love what they do and it certainly shows. Thank you Turner and Son Homes, we appreciate you and your extensive generosity!
Ashley & Ron Astrino June 15, 2016
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