Choosing the Right Lender for Your Next Home Building Project

Unlock your building potential with Shepherd’s Finance! Imagine a financing partner with over 80 years of collective experience that truly understands the unique challenges of home builders, offering tailored solutions that enhance your profitability and streamline your projects. With competitive loan-to-value ratios, fast closings, and no hidden fees, Shepherd’s Finance empowers you to focus on what you do best—building beautiful homes that meet your clients’ dreams. Don’t let financial constraints hold you back; partner with Shepherd’s Finance and watch your projects thrive!

For small-to-mid-size home builders, navigating the financial landscape to find the right lender can often feel like an uphill battle. Many builders face challenges such as limited access to capital, fluctuating interest rates, and rigid lending criteria that do not match their unique project needs. As a builder, your focus should be on constructing beautiful homes and meeting your client’s needs rather than getting bogged down with financial concerns. This is where having a supportive lender becomes paramount. Shepherds Finance has made it their mission to cater to the specific needs of builders, providing financing solutions that ensure your projects run smoothly and profitably.

In today’s competitive housing market, homebuilders need a lender that understands their specific challenges and can provide the necessary support to thrive. One of the most significant factors home builders consider when choosing a lender is competitive terms with great service, knowledge, and an understanding of the construction industry. It’s important to remember that the lender with the lowest rates isn’t always the right lender – there’s more to a loan than just the rate.

Competitive rates ease the financial burden and allow builders to allocate more resources toward project quality and customer satisfaction. When builders know they have a financial partner who understands their needs and can offer beneficial terms, they can focus on what they do best—building homes.

Builders often face unique situations based on the specifics of each project. Traditional lenders may not provide the flexibility required to adapt to unexpected changes. Shepherds specialize in understanding the nuances of a builder’s needs, offering solutions that can be customized to fit various business models and project types. Whether it’s accommodating diverse project scales or modifying lending terms based on anticipated cash flow, Shepherds has a variety of options available.

Maintaining healthy cash flow is crucial for builders. Delays or unforeseen expenses can easily disrupt financial plans and project timelines. With a lender like Shepherds, you’ll discover lending solutions designed to ensure that cash flow remains stable. Shepherds help builders manage their projects without the stress of financial shortfalls, whether through interest escrow options or rapid disbursement of funds.

In the housing market, time is often of the essence. The longer a project takes, the more costly it becomes, and the opportunity for profitability can dwindle. Having a swift, efficient lending process can make all the difference. Shepherds prides itself on fast closing and quick access to funds, ensuring that builders can complete their projects on schedule and maintain a competitive edge.

When considering potential lenders, it’s essential to understand the unique advantages that Shepherds offers builders. Not only does Shepherd’s Finance provide its borrowers with competitive pricing, it has established exclusive relationships with leading industry-related companies. We use these relationships to benefit our clients through programs that increase your business.

Up to 70% LTV, 100% of Lot Costs Covered

LTV (loan-to-value ratio) plays a significant role in lending, and Shepherds recognizes this. By offering up to 70% LTV, Shepherds ensures that home builders can secure the necessary funds without the burden of massive upfront capital. Combined with covering 100% of lot costs, this makes it much easier for builders to undertake new projects and improve their cash positions simultaneously.

Interest Escrows Available

Cash flow can be unpredictable, and utilizing interest escrow allows builders to manage their financial obligations more flexibly. Shepherds provide this service to ensure builders can focus on their projects without worrying about immediate interest payments, thus allowing for better resource allocation at different project stages.

Fast Closing & Draws

Unlike traditional lenders that can bog you down with slow processes, Shepherds understands the urgency in the building industry. Fast closing and draws mean you won’t be waiting for extended periods to access the funds you need. By streamlining the financing process, Shepherds enables builders to concentrate on what they do best—bringing beautiful homes to life.

Increase ROI

With a comprehensive understanding of the homebuilding industry, Shepherds equips builders with the tools needed to increase your return on investment (ROI). By reducing various costs through favorable lending conditions, builders can focus on maximizing profits and expanding their operations without financial strain.

No LTC Requirements and No Hidden Fees

LTC (loan-to-cost) requirements can often complicate the lending process, creating additional barriers for homebuilders. Shepherds eliminate these requirements, making it easier to obtain financing. Furthermore, transparency is crucial in any business relationship, and Shepherds ensures that there are no hidden fees, so you always know what to expect.

In the challenging world of home building, it’s essential to have a financial partner that understands your needs and works with you every step of the way. Shepherds is dedicated to providing builders with competitive financing solutions tailored to meet the diverse needs of today’s market.

If you’re ready to take the next step in your building projects, connect with your regional sales manager today. Together, you can explore how Shepherds can empower your business with the proper lending support. Don’t let financing hold you back—partner with Shepherd’s Finance and build with confidence!

We invite you to consider how Shepherd’s Finance can help you empower your residential construction projects. With our tailored lending solutions and business growth services, we’re here to support you at every step. Thank you for being with us—let’s build something remarkable together! Find your regional sales manager today for more information or to get started. Happy building!