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Building with America’s Home Place? Start Here | Construction Loan Guide

Exclusive offer

$500 Lender Credit

Receive a $500 lender credit toward your permanent loan closing when you start your construction loan between September 2026 and March 2027.*

Apply Now

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Why Builders & Homebuyers Work With Ben Dunham

Contact Ransom

More Financing Options

  • One-Time and Two-Time Close options
  • VA, Conventional, and FHA construction fnancing
  • FHA financing with as little as 3.5% down
  • 100% VA financing available for qualified borrowers

Flexible Construction Solutions

  • Keep your current home while you build
  • Existing home equity may not count toward DTI in eligible scenarios
  • Pay of land loans and roll them into construction financing
  • Closing costs may be financed in eligible situations

Save During Construction

  • Interest-only payments during construction
  • No PMI during the construction phase on eligible Two-Time Close loans
  • No escrow payments during construction
  • No inspection fees for draw requests after closing

Designed for Speed

  • Construction loan closing time-lines similar to purchasing an existing home
  • 24-hour underwriting turn times
  • Order appraisal and title early to keep projects moving
  • Builder draws funded in as little as 1–2 days through our digital draw system

What Clients are Saying

"very nice, good communication, never left us out of the loop."

- Cassidy C. J.

"Professionalis, updates, great experience"

- Wrenwick D.

"Ben and his team were all around amazing!"

- Toni R. D.

"Helped walk me through first time home buyer process and was very responsive and helpful throughout the process."

- Clayton O.

"The communtication made it pleasant as a first time home buyer. all the staff I had communication with was very respectful."

- Katrina B.

"It was a seamless transaction with great agents, lender, and clients. We all worked together well"

- Gene D.

"Always available with ansers to all questions and very nowelegable"

- Alonzo M. F.

"It was very straightforward and communication between Ben and Alex was amazing! Ben even came to our closing!"

- Megan W.

"The portal made it easier to send the needed documents. Communication was also very good."

- Allen W. S.

"Easy and painless"

- Joshua H. H.

"Ben and his team were EXTREMELY knowledgeable and helpful. Ben kept us informed of every step and always available to answer questions."

- Alison P. R.

"The communication was great! We always felt very heard and understood. 20/10 experience!"

- Erin M.

*Important Disclaimer: Receive a $500 lender credit toward eligible permanent loan closing costs for qualifying construction loan starts closed between September 1, 2026, and March 31, 2027. Offer subject to underwriting approval, program eligibility, and may be modified or withdrawn without notice. Additional restrictions may apply.

Ben Dunham

Ben Dunham

Production Manager/Loan Officer

NMLS#1089433

Contact Ben Dunham

Ready to Build? Let's Talk!

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