Sorting out construction loans and mortgages is one of the most stressful parts of building.
We get it — and we’re here to walk through it with you.
When you build a custom home, you're not just dealing with one loan.
You’re navigating two:
Construction Loan → Pays for your home to be built
Mortgage → Pays off the construction loan once the home is complete
Here’s the catch: these loans don’t come from the same type of lender.
That means more paperwork, more moving parts, and a lot more stress — unless you’ve got someone who’s done it all before in your corner.
We've got experts on our team that are ready to be in your corner.
Most mortgage lenders follow a familiar process: application, income checks, credit history, approval.
But construction lenders? That’s a different world.
Typically local banks, not mortgage companies
They evaluate not just your credit but your commitment
Often require “skin in the game” before approving the loan
They're more cautious—unless they trust your builder
This is where most homeowners get stuck. But it’s also where we come in.
We’ve built deep relationships with lenders who know us—and trust us.
When you work with Turner & Son:
We connect you with reliable, local banks that specialize in construction lending
We vouch for you as a client, which can ease the path to approval
We guide you through the process start to finish—including any next steps if your credit needs work
Even if you’re not quite ready yet, we’ll introduce you to trusted financial and credit specialists and stay by your side until you are.
You shouldn’t have to be a mortgage expert to build a home for your family.
And you definitely shouldn’t feel like you have to figure it out alone.
Whether you’re still dreaming or ready to apply, let’s talk about your financing questions.
