F I N A N C I N G · 0 5
Construction to perm, simplified.
Sisu works with a hand picked group of RGV lenders who actually understand custom home construction loans. We match you to the right one for your situation, then quarterback the timing so your loan and your build finish the same week.
How custom home financing works.
Stage 1
Short term loan that funds the build in scheduled draws (foundation, framing, MEP, drywall, finish). Interest only during the build.
Stage 2
Converts to a 15 or 30 year mortgage at closing. Lender choice depends on rate, term, and down payment.
One loan, two stages
The cleanest option for most clients. One closing, one set of paperwork, one rate lock.
Estimate · Monthly payment
Run the numbers on your build.
Move the sliders to see what a permanent mortgage might look like once your home is finished. Real numbers come from your lender, this is just a starting point.
Estimate of principal and interest only. Your lender sets the real terms. Actual rate, taxes, insurance, and terms depend on your lender and your situation.
The lenders we work with.
You pick the lender. We introduce you to two or three lenders, you talk to all of them, and you pick the rate and terms that work best for your situation. Sisu does not get paid by the lender either way.
Credit unions
Good for first time custom builds, competitive rates for owner occupants.
Regional banks
Established banks with strong construction loan programs. Good for repeat clients with banking relationships.
Independent broker
For complex situations: self employed buyers, jumbo loans, second homes, or specialty programs.
What you need to qualify.
15 to 25% typical
Construction loans usually require more down than a traditional mortgage. Owner occupant programs go lower.
680+ ideal
Most lenders want 680 or higher for construction loans. Some go to 620 with stronger down payment or income.
2 years W2s or returns
Self employed: 2 years of tax returns plus P&L. W2: most recent pay stubs and tax returns.
N E X T · S T E P
Get matched with a lender.
20 minute call with Daniel to understand your project, then he introduces you to the right lender for your situation. Free.
