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Build & Finance Your Home With Confidence

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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.*

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Why Builders & Homebuyers Work With Ransom Kelly

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

"Ransom has been great making this a smooth process for my family."

- Leah N. P. B.

"All knowledge that you gave us so that we were prepared for everything going forward"

- Elmer D. K.

"Ransom made everything seamless."

- Sheila B. A.

"Excellent communication, always answered when we had questions."

- Peyton M. W.

"Very helpful"

- Haylee P.

"Ransom was extremely helpful and always available to answer all of our questions."

- Amy A. W.

"Ransom is great! He was always available when I called."

- Ronald R. A.

"From start to finish. I don't have words.Overall great Job keep up the good work."

- Griffen A. J.

"Everything got done."

- Latoya S.

"Very easy process."

- Terry G. T.

"We had a great experience throughout the whole process."

- Tabitha W.

"Ransom res quickly to any questions we had, and made us feel like we were a priority!"

- Marcus W.

Read More Reviews

*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.

Ransom Kelly

Ransom Kelly

Production Manager/Sr. Loan Officer

NMLS#990772

M 205-605-8027 O 205-605-8027 E [email protected]

Contact Ransom Kelly

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