Build & Finance Your Home With Confidence

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 was very easy to work with. He made sure that we understood everything before we signed anything. He explained everything so that we understood. Highly recommend!"

- Agnes A.

"Ransom was always available to answer any questions and made the construction loan a swift and easy process"

- Cara T.

"Great response time and very Knowledgeable. Ransom kept the buyers up to date so there were no issues at closing."

- Texie W.

"easy to communicate very fast service awesome people to deal well couldn't ask for a better construction loan"

- Justin T. B.

"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.

"Always available to assist us witih all our questions. He is very knowlegeable in all areas of the loan process. Very pleasant person."

- Vicki E. K.

"Ransom communicated very well throughout the whole process. He answered all of our questions and was very helpful. This is/was a very stressful process and he made each step a little less challenging."

- Sandra W.

"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 Kelly

Production Manager/Sr. Loan Officer

NMLS#990772

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

Contact Ransom Kelly

Ready to Build? Let's Talk!

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