From Construction Loans To Manufactured Homes, Get Up To 100% To Build, Buy, Refi, or Renovate In All 50 States.
Unlock Up To *$50,000 Extra In Unsecured Funds On Your Next Home Loan - A Game-Changer That’s Not Offered Elsewhere.
Some of the Best Loan Programs in All 50 States
Built In-House. Designed Around You. Stacked With Real Value.
At BuildBuyRefi®, we don’t just offer loans, we engineer powerful, in-house lending solutions built around your goals, with long-term value that most lenders can’t match, not the big-box brokers, and not your corner bank.
As a nationally awarded, Veteran-Owned, Top-Rated® lending team, we’re here to connect you with the strongest programs in our arsenal, stacked with real savings, flexible options, and benefits built to last.
This is our money, our underwriting, and our call.
No brokers. No middlemen. Just results.
✅ Up to *$50,000 extra in unsecured funds — before, at, or after closing
✅ Up to 30% off real estate commissions for life — every time you buy or sell
✅ Hundreds of in-house loan programs in all 50 states
✅ Backed by elite bankers, each with decades of experience and thousands of successful closings
From first-time buyers to seasoned investors, we’ve helped clients nationwide close faster, borrow smarter, and walk away with more.
We’re Not Just a Lender.
We’re the strategy team behind your next move.
BUILD
In-House Construction Loans That Go the Distance, From Groundbreaking to Final Inspection.
With up to 13 fully in-house construction loan programs (never brokered out), we stay by your side every step of the way. From your first draw to the final inspection, our team delivers unmatched speed, support, and builder-friendly service.
Tailored draw schedules? Covered.
Modular, manufactured, or kit home delivery timelines? We’re ahead of them.
We proudly offer:
One-Time Close & Two-Time Close Options
Bridge Loans and Land + Build Packages
Land Equity may qualify towards a down payment requirement
Portfolio Construction Loans with custom flexibility
Rehab & Renovation Loans
VA, FHA Take-Out, Conventional & In-House Portfolio Programs
Up to 100% financing and loan amounts exceeding $3 million
12-18 Month Build Times for site-built and jumbo projects
High LTV ITIN Foreign National Construction Loans, no SSN#, no problem
Build your first home, second home, ADU, or 1–4 unit owner-occupied investment property—and even purchase your land—all with just one loan or a two-stage option.
Fixed-rate and Interest-Only payment structures are available.
Everything is funded, monitored, and disbursed directly by our team.
Renovation Programs That Outperform
From simple updates to total overhauls, we’ve got you covered:
Fannie Mae Homestyle
FHA 203(k) Standard & Limited
Custom Portfolio Rehab Programs — offering up to $2,000,000+ OVER contract price for qualifying upgrades and borrowers.
BUY
Purchase Loans That Move Fast, and Keep Paying Off for Life.
Whether it’s your first home or your forever home, we bring elite-level service, lightning-fast closings, and serious support from contract to keys. Our bankers work seamlessly with your realtors, title agents, inspectors, and everyone in between — so you can focus on what matters: the move.
We offer a full lineup of loan types, including:
Conventional, FHA, VA, USDA, Portfolio, & ITIN Foreign National Loans
Non-QM & In-House Portfolio Options
Down Payment Assistance Programs
First-Time Home Buyer Support & Education
Plus specialty programs for:
Investor Loans
Multi-Family & Mixed-Use Properties
Purchase + Renovation Loans
Bridge Loans
Jumbo Loans Up To $10M+
Large Acreage & Financing Over 13 Unique Property Types
Get up to *$50,000 in additional unsecured funds available before, at, or after closing — to use however you choose.
BONUS: Save Up To 30% on Real Estate Agent Commissions — For Life
When you use one of our participating agents in all 50 states, you can save up to 30% on real estate commissions every time you buy or sell, with no cap. That’s real long-term value, built into every move.
Fast closings. Lifetime savings. True buying power.
REFI
Refinance Smarter With More Options, More Cash, and More Control.
Whether you’re looking to lower your rate, access equity, consolidate debt, or renovate your home — we’ve got a complete suite of refinance programs that go beyond the usual bank offerings.
Our options include:
Conventional, FHA, VA, and USDA Refinance Loans
Streamline Programs for Faster Closings (No Appraisal Options Available)
Cash-Out Refinances up to 100% LTV (for qualified borrowers)
Debt Consolidation & Payment Reduction Programs
ITIN, Foreign National, and Bank Statement Options
Investor & 1–4 Unit Multi-Family Properties
Second Homes & Vacation Properties
Plus: Renovation Refinance Options — including FHA 203k, VA Reno, FNMA Homestyle, and custom portfolio rehab loans for homeowners who want to update their property and restructure their loan at the same time.
You may also qualify for up to $50,000 in additional unsecured funds — available before, at, or after closing — to use as needed. Helpful to access extra funds in tight situations where equity may be limited.
Home Equity Loans
Home Equity Loans Up To $500,000 — Fixed Rate. No Games.
For well-qualified borrowers, we offer closed-end 2nd mortgages with flexible terms and strong approval power, even when equity is limited.
Highlights include:
Fixed Rates on 15- or 30-Year Terms
Loan Amounts from $50,000 to $500,000
Standalone or Simultaneous Closings
Available nationwide (except Texas).
As Seen In
We Provide Serious Construction Options; From one-Time & Two-Time Close, Fixed Rates & Interest Only, Up To $3 Million Plus, Primary, Vacation Home, 1-4 Unit Multi-Family, and ADU Builds Are Available.
BuildBuyRefi’s Construction Programs Offer Up To 100% Financing, Fixed & Interest Only Rates, ZERO Out-of-Pocket Available, And You May Be Eligible For Up To $50,000 Extra Before or After Closing To Use As You Wish!
Get ready to buy land and build your dream home with just one loan or two if that option is better for you!
With our program, you buy your lot under contract (or pay off existing owned land balance) and finance all build costs to completion, and have a final loan, all at the same time if you select our One-Time Close Program.
Traditional construction financing often has higher interest rates, usually requires a downpayment for land and builder loans of up to 20%, comes with 3 separate appraisals, 3 sets of title fees and closings costs, and 3 underwriters at different locations trying to qualify you. Does that sound fun?
….Nope, it doesn’t. Our process is just one loan for everything, unless you need more time and two loans. We’ve mastered the Hottest Construction Loans in the country years before most. In fact, it’s our most requested programs. Many people believe that a one-time close loan is a unicorn that can’t be done, but we close them monthly for people across all 50 states.
While most loan professionals have never closed a construction loan, nor know where to start, our experts will underwrite and fund the whole process in-house and guide you every step of the way. Because of our years of experience, we designed a team that runs smoothly on this program from start to finish. Never leaving you, your realtor, builder, contractor, retailer, or anyone in the dark.
We hit closings on time, and we do it all with 5-star level customer service. You need a strong team that knows what they are doing, if you’re serious about building your home, get serious about those handling this loan type!
Our Construction Division Is With You From Start To Close!
Building Your Dream Home Can Be A Stressful Adventure If you Choose The Wrong Team; your Successful Closing Is Our Priority.
There are many moving parts, don’t let anyone tell you this is a super easy loan. We’re transparent about the entire process, helping you navigate the unknowns and moving parts. We process the OTC every day, balancing the needs of realtors, landowners, realtors, builders, plan changes, title updates, underwriters, inspectors, and you… We’re a mighty team, together for 25+ years, and we close the toughest of loans!
BuildBuyRefi OTC Construction
Up to 100% one & two-time construction loan options.
NO Mortgage Insurance programs are available.
Land, construction, set-up, and all fees are financed into the loan; you may qualify for up to *$50,000 extra before or after the loan closing.
One or two loans instead of three separate transactions.
NO re-qualifying with three different underwriters.
Credit scores start at 640.
Vs. Traditional Construction
10-20% down payment for land and home construction, NO 100% options available. Must put 20% down to avoid MI
Must pay on land & house while you build. Most likely, they aren’t offering you *$50,000 extra to use as you wish.
Three separate loans, appraisals, and closing costs.
Must be approved for each loan separately over time; if something changes to your job or credit, it all stops.
Credit scores start at 720.
FHA 203k Limited & Standard, VA Renovation Loans, FNMA Homestyle, & Jumbo Renovation Options… Great Solutions For Those With Limited Or No Equity.
Need a new roof, kitchen, or bathroom? How about updated appliances, Or Room Additions? We even Offer Extensive Renovation Amounts Up To $2 Million In Work.
*Did you know you can complete a renovation on a new home purchase? That’s right, maybe you loved the location but didn’t love the interior, now buy a prebuilt home where you want and put your custom finishes on it from the start.
How Much Renovation Financing Can You Obtain?
Our Renovation Options Go Over And Above The Limits Of Most Other Banks; plus, We May Even Offer You The Chance To Get *$50,000 Extra Before or After Closing!
You're Less Than 60 Seconds Away From The Answers!
We bring over 100 years of combined experience helping homeowners like you get competitive, fixed-rate mortgage loan options. By providing loans in all 50 states, there isn’t a program, problem, or solution we haven’t tackled. You deserve transparent professionals, which you’ll receive when working with the BuildBuyRefi team.
With Conforming, Government, and In-House Portfolio Renovation loan programs, we seek ways to get your loan done. We bring many options if requiring extensive work or renovating a primary, second home, multi-family, or even a rental property.
Qualified borrowers may even be eligible for up to *$50,000 extra before or after closing to use as they wish; ask our bankers today!
*Not all consumers will qualify; examples that could limit qualification are credit scores below 640, late payments, excessive debt ratio, non-qualifying provable income, collections, bankruptcy, foreclosure, or forbearance in the past 24 months, requiring more in renovations than the market value will bear for your property or other issues that may not arise.
Multiple Zero Down, Zero Out-Of-Pocket Purchase Home Loans, Down Payment Assistance, First Responder, Doctor, Veterinarian, & Nurse Practitioner Options!
You May Qualify For Up to *$50,000 Extra Before or After Closing To Use As You Wish! Every government-backed FHA, USDA, VA, and conventional purchase loan is available. Get up to 100%; even custom renovate your new home purchase
We Make Getting A New Home Loan Fun, And Provide Much More Value!
With Credit Scores Starting At 580, BuildBuyRefi Is Committed To Providing Loan Programs Other Lenders Won’t Touch, And Options others Don’t Have.
For Example, when other banks tell you not to run your credit for other loans during the home-buying process, we may offer well-qualified buyers the ability to get up to *$50,000 extra before or after closing to use as they wish.
This extra cash isn’t just for first-time home buyers either; it’s eligible for 2nd homes, investors, multi-family, construction, renovation, and even streamline refinance programs. Other bankers don’t offer it. But imagine what an extra 10, 20, or *$50,000 can do for you!
We’re a group of hard-working, career-loving mortgage bankers rolling up their sleeves to deliver custom loan solutions. With programs available to those turned down by other banks, we don’t shy away from a little hard work. You need to know everything you will face to make the right decision, from all the costs/fees involved to the underwriting guidelines; we won’t leave you in the dark.
Manufactured Home Loans: We Provide Options For Single, Double & TripleWide Property Nationwide.
We’ve Been Providing Manufactured & Mobile Home Loans As A Team for Over 25 Years; options Up To 100% Financing, And You May Even Qualify For Up To *$50,000 Extra Before or After Closing.
*Mobile & Manufactured Homes MUST Be on a Permanent Foundation, Tongue & Axles Removed, Taxed As Real Estate, Built After June 15, 1976. Homes on land you don’t own. Leased, Rented, Friend Owned Land; Is Not Eligible & Requires A Chattel Loan Lender.
Manufactured Home Loan Options Other Banks Can’t Touch!
Ask About Our Manufactured Home & Land Construction Loans; And How To Qualify For Up To *$50,000 Extra Before or After Closing On Your Next Manufactured loan.
Most Banks Don't Loan On Manufactured Homes; if they do, the terms aren't close to what you should be offered. However, we’re pretty sure they won’t offer you the chance for an extra *$50,000 before or after closing to use as you wish, either.
Many manufactured home buyers and owners settle for higher interest rates and put down more money than they should have if they chose one of our unique government-backed products. Do you want to pay more than you should for your home just because of the property type?
BuildBuyRefi.com offers competitive fixed-rate mortgage options for Manufactured, Modular, Sip Panel, And Foam Construction Homes. We underwrite in-house, make the decisions, request the exceptions when needed, and know all of the reports and requirements that come with getting these loans approved.
We offer manufactured home loans up to 100% or more for new build, purchase, cash-out, renovation programs, rate-term reductions, and more available. We finance manufactured homes in all 50 states for Conventional, FHA, VA & USDA.
We offer some of the most competitive manufactured rates in the industry. Why settle for double-digit rates and unfavorable terms just because you own a manufactured home? We don’t think that’s fair nor should you. Call us and learn why we’re different.
We're relentless in the pursuit of obtaining your manufactured dream home, just as you are in seeking great rates. Helping each client find the right loan to meet their needs is our only goal. We're here seven days a week to serve you not a quota!
*Home must be on a permanent, fixed foundation, on land you own (not rented land, family land, or mobile home parks), and the house must've been built after June 15, 1976, to qualify. We can not lend on manufactured properties previously moved from another foundation.
up To 100% Cash out Home Loans, For Primary, Second Home, Investor, Multi-Family & More.
Conventional, Government-Backed, Non-QM, Debt Consolidation. Providing Fixed-Rate, Interest Only, And Options Even If Your Home Equity Is Limited!
Accessing Equity From Your Property Has Never Been Easier.
Are you in need of cash-out? We allow up to 100% for Veteran (VA) cash-out home loans and up to 80% for FHA and conventional. We even offer cash-out programs for 2nd homes, jumbo, 1-4 unit multi-family, and investors. Whether you need minor repairs or complete consolidations, we have wonderful solutions to help you.
Our cash-out, consolidation, and renovation loans are available Nationwide. We come to you to close the loan, making ourselves available wherever you need us. We even close on Saturdays to work around your busy life and schedule. Just reach out today, and our bankers will help you design the cash-out or debt consolidation you need.
Our bankers are true specialists in debt consolidation loans; sometimes, we save our clients thousands a month. Let us customize your home loan today and show you options you never thought possible. We aim to put the money back where it belongs, in your pocket! *Ask us how to access up to $50,000 extra unsecured before or after closing, over and above your home loan.
100% VA Home Loans For Active Duty, Retired Veterans, & Spouses of Vets.
Your VA Loan Advantages Allow You To Design Amazing Loan Solutions. From Zero down One-Time Close Construction, purchase, Cash-Out, Reno, & Refi programs. Fast Closing, Fixed-rates, & NO MI.
*Ask How To Qualify For Up To $50,000 Extra Before or After Closing.
You Fought For Our Home, Now Let Us Fight For Yours!
Find Out Why Our VA Loans Are Amongst The Fastest Loans To Close And How You May Qualify For Up To *$50,000 Extra Before or After Your Loan Closing!
Construct your dream home with our VA One-Time and Two-Time Close Construction Loans, which we originate in-house. Whether you’re building a manufactured home or seeking a jumbo loan, we provide exceptional service and competitive options. We advocate for you and your family to secure the loan you require and close on time.
Every VA program offers 100% financing, eliminating the need for mortgage insurance. Additionally, VA Reno loans can exceed 100% of the current home’s value. Homebuyers can purchase and renovate pre-built homes or access 100% cash-out refinancing to consolidate debt. For those seeking to lower their interest rate, consider our VA IRRRL streamline refinance program, which offers exceptionally fast processing times.
As a Veteran-Owned bank, our Veteran clients receive the highest priority, expedited processing, and access to all VA programs nationwide. We cater to your loan closing needs and accommodate your schedule. Unlike other banks, we do not restrict your loan options or loan-to-value ratios. Our dedicated team is committed to providing exceptional support throughout the loan process.
Build, Buy, Refi, or Extensive renovation; Our Jumbo Home Loan Programs Go Up To $3 Million Plus!
VA No Limit Options, In-House Portfolio, Cross Collateralization, Bridge Loans, Multi-Family, Investors, Bank Statement Options, We Get Creative and Flexible To Meet Your Needs!
*Ask Us How To Get An Extra $50,000 Before or After Closing.
5-Star Lender Reviews That WOW!
Richie, OK... so you've officially done something I've never seen in 22+ years selling real estate. Closed a VA Loan on 224 Acres, with a Manufactured Home. CONGRATULATIONS! and THANK YOU!!! Admittedly, I was skeptical (more like pessimistic) when James told me you were going to get this VA Loan completed. And I had many doubts along the way, because I'd seen so many VA Lenders fall flat on their faces, just before the Closing. BUT... You got the Job DONE! Occasionally, I find someone out there who has done an Outstanding Job, helping my Clients... and You are one of these! I'm now officially a FAN of You and Your Work. I would be honored to promote you and your services to other Agents within our company, and I intend to do so. I will call you when I've caught up on my work a bit... and learn more about how I can do my job better on the next VA transaction.
~Tom K. Realtor
100% USDA Rural Development Loans In All 50 States. You May Even Be Eligible For Up To *$50,000 Extra Before or After Closing!
Whether you Want to build, buy, Refinance, or Renovate, Our loans are designed to bring you 100% financing solutions for stick-built, modular, and manufactured double & triple-wide homes.
*640 Minimum Credit Score required on all USDA Home Loans.
USDA Rural Development Home Loans Have Never Been More Attractive, Especially When Paired With An Extra *$50,000 For Qualified Borrowers!
With a BuidBuyRefi.com USDA loan, qualified borrowers can buy a great home in an eligible USDA area with a 100% Zero-Down program and may even qualify for an additional *$50,000 to use those funds for whatever they require. From one-time or two-time close construction loans, renovation rehabs, rate reduction refinancing, and standard purchase loans available on pre-built manufactured (within 1-year-old), modular, or stick-built homes, we have you covered in all 50 states 7-days a week.
*With credit scores down to 640, outside-the-box thinking, and in-house underwriting, we have the USDA rural development loan program you’ve hoped to find.
*Our USDA construction loans are currently suspended. We are working to reopen them with more favorable terms for the consumer. Why did we do this? We’ve found that most consumers seeking this loan were being disqualified due to being over the income or debt ratio requirements. Many investors offering this option also charged higher fees during the market downturn, reducing qualifying loan amounts greatly. To counter this, we have multiple construction loan programs available, funded in-house, and would love to help you structure a fantastic construction loan if this is the path you choose.