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.
Construction, Purchase, Refinance & Renovation Loans In All 50 States
Built In-House. Designed Around You. Stacked With Real Value.
At BuildBuyRefi Nationwide Home Loans, we don't just offer loans. We engineer in-house lending solutions built around your goals, with long-term value you won't find at big-box brokers.
As a nationally awarded, Veteran-Owned lending team, we connect you with the strongest programs we offer, stacked with real savings, flexible options, and benefits built to last.
Your loan is made by a federally chartered bank, not brokered out.
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
✅ Over 100 in-house loan programs in all 50 states
✅ Backed by experienced bankers with 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:
Hybrid, 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 up to $4.5 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, with one-time, two-time, or Hybrid construction options.
Fixed-rate and Interest-Only payment structures are available.
Everything is funded, monitored, and disbursed directly by our team.
Building a barndominium? See our barndominium construction loan guide. Need a builder? Find a registered builder near you.
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 million 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.
Doctors and medical residents, see our physician mortgage loan guide.
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: One-Time, Two-Time & Hybrid Close, Fixed Rates & Interest Only, Up To $4.5 Million, For Primary, Second Home, Investment, 1-4 Unit Multi-Family, ADU & 2nd Lien Builds.
BuildBuyRefi's Construction Programs Offer Up To 100% Financing On Primary Residence Builds, Fixed & Interest Only Rates, ZERO Out-Of-Pocket Options, And You May Be Eligible For Up To *$50,000 Extra Before Or After Closing!
Get ready to buy land and build your dream home with the loan structure that fits you: a one-time close, a two-time close, or our in-house Hybrid Construction Loan.
You can buy your lot under contract (or pay off the balance on land you already own), finance all build costs to completion, and set up your permanent loan from the start. On Jumbo and ITIN, it all happens in a single closing with our One-Time Close. On FHA, VA, and Conventional, our Hybrid gives you that same streamlined experience while keeping your permanent rate flexible.
Traditional construction financing often has higher interest rates, usually requires a down payment for land and builder loans of up to 20%, and comes with 3 separate appraisals, 3 sets of title fees and closing costs, and 3 underwriters at different locations trying to qualify you. Does that sound fun?
....Nope, it doesn't. With us, your land, build, and permanent financing are planned together from day one. Construction lending is what we're known for, and it's our most requested program. Many people believe a single-close construction loan is a unicorn that can't be done, but we close construction loans every month for people across all 50 states.
Construction loans are a specialty many loan officers rarely handle. Our experts underwrite and fund the whole process in-house and guide you every step of the way. Our team is built to run this program smoothly from start to finish, never leaving you, your realtor, builder, contractor, retailer, or anyone else in the dark.
We work to hit every closing on time, with 5-star level customer service. If you're serious about building your home, get serious about the team handling your loan!
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 construction loans every day, balancing the needs of realtors, landowners, 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!
Worried about surprises mid-build? Learn what happens if your construction loan goes over budget and whether construction loans can be extended.
BuildBuyRefi In-House Construction
Up to 100% financing on primary residence builds, with one-time, two-time, and Hybrid 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.
Renovation Loans: FHA 203k Limited & Standard, VA Renovation, Fannie Mae HomeStyle & Jumbo Renovation, Great For Limited Or No Equity
Need A New Roof, Kitchen, Or Bathroom? Updated Appliances Or Room Additions? Our Jumbo Renovation Options Go Up To $2 Million In Work.
*Did you know you can renovate as part of a new home purchase? If you love the location but not the interior, buy the home where you want to live and finance your custom finishes from the start, all in one loan.
How Much Renovation Financing Can You Obtain?
Our Renovation Options Are Built For Extensive Work, And You May Even Qualify For Up To *$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. Lending in all 50 states, we've tackled almost every program, problem, and solution out there. You deserve transparent professionals, and that's what you get with the BuildBuyRefi team.
With Conforming, Government, and In-House Portfolio Renovation loan programs, we look for ways to get your loan done. We offer options for extensive work on a primary residence, plus second homes, multi-family, and rental properties in qualifying scenarios.
*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 arise.
Zero Down & Zero Out-Of-Pocket Purchase Loans, Down Payment Assistance, Plus First Responder, Doctor, Veterinarian & Nurse Practitioner Options!
Buy with FHA, VA, USDA, Conventional, Jumbo, and In-House Portfolio purchase loans, with up to 100% financing on programs like VA and USDA. You can even renovate your new home as part of the purchase, and you may qualify for up to *$50,000 extra before or after closing to use as you wish!
We Make Getting A New Home Loan Fun, And Provide Much More Value!
With Credit Scores Starting At 580 On Select Programs, BuildBuyRefi Is Committed To Providing Hard-To-Find Loan Programs And Options Built Around You.
For example, most lenders tell you not to open new credit 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; it's eligible for 2nd homes, investors, multi-family, construction, renovation, and even streamline refinance programs. It's one of our most unique benefits. Imagine what an extra $10,000, $20,000, or *$50,000 could do for you!
We're a group of hard-working, career-loving mortgage bankers rolling up our sleeves to deliver custom loan solutions. With options for borrowers who've been turned down elsewhere, we don't shy away from a little hard work. You need to know everything you'll face to make the right decision, from all the costs and fees involved to the underwriting guidelines, and we won't leave you in the dark.
Manufactured Home Loans: Single, Double & Triple-Wide Financing Nationwide
We've Provided Manufactured & Mobile Home Loans As A Team For Over 25 Years, With Options Up To 100% Financing, And You May Even Qualify For Up To *$50,000 Extra Before Or After Closing.
*For traditional mortgage financing, mobile and manufactured homes must be on a permanent foundation with the tongue and axles removed, taxed as real estate, and built after June 15, 1976. Homes on land you don't own, such as leased, rented, or friend-owned land, may qualify for a chattel loan, now available on a case-by-case basis.
Manufactured Home Loans With Fixed Rates, Up To 100% Financing & In-House Underwriting
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.
Many lenders don't finance manufactured homes, and those that do often offer tougher terms. Too many manufactured home buyers settle for higher rates and bigger down payments than they need to. Do you want to pay more 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 exceptions when needed, and know every report and requirement that comes with getting these loans approved.
We offer manufactured home loans with up to 100% financing for new construction, purchase, cash-out, renovation, and rate-term refinancing in all 50 states. Conventional, FHA, and VA are available across these programs, and USDA is available for purchase and refinance..
Why settle for unfavorable terms just because you own a manufactured home? We don't think that's fair, and neither should you. Call us and learn why we're different.
We're relentless in helping you get your manufactured dream home. Finding the right loan for each client is our only goal, and we're here seven days a week to serve you, not a quota!
*For traditional mortgage financing, the home must be on a permanent, fixed foundation on land you own (not rented land, family land, or mobile home parks) and built after June 15, 1976. We cannot lend on manufactured homes previously moved from another foundation. Homes on land you don't own may qualify for a chattel loan on a case-by-case basis.
Cash-Out Refinance Loans For Primary, Second Home, Investment & Multi-Family Properties, Up To 100% For Eligible Veterans
Conventional, Government-Backed, Non-QM & Debt Consolidation Options, With Fixed-Rate And Interest-Only Terms, Even If Your Home Equity Is Limited!
Access Your Home Equity With Cash-Out Refinance & Debt Consolidation Loans Nationwide
Need cash out? We allow up to 100% for Veteran (VA) cash-out home loans and up to 85% for FHA and Conventional. We also offer cash-out programs for 2nd homes, jumbo, 1-4 unit multi-family, and investment properties. Whether you need minor repairs or a complete debt consolidation, we have solutions to help.
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 specialize in debt consolidation loans and can often lower your total monthly payments significantly. Let us customize your home loan and show you options you may not have known existed. 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.
Up To 100% VA Home Loans For Active Duty, Veterans & Eligible Surviving Spouses
Your VA Loan Advantages Open The Door To More Options. Zero Down VA Hybrid Construction, With One-Time Close Simplicity & Two-Time Close Rate Flexibility, Plus Purchase, Renovation, Cash-Out, & Refinance. 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!
Your VA Benefits, Our In-House Team: Fewer Delays, Faster Closings, And Up To *$50,000 Extra Before Or After Closing!
Build your home with our VA Hybrid and Two-Time Close Construction Loans, originated in-house. Whether you're building a site-built, modular, or manufactured home or need a VA jumbo loan, we provide exceptional service and competitive options, and we advocate for you and your family to close on time.
VA programs offer up to 100% financing with no mortgage insurance. VA renovation loans can be based on the home's value after improvements, so you can buy and renovate a pre-built home with one loan. You can also access up to 100% cash-out refinancing to consolidate debt, or lower your rate with our VA IRRRL streamline refinance.
As a veteran-owned bank, we give our Veteran clients priority, expedited processing, and access to all VA programs nationwide. We work around your closing needs and schedule, and our dedicated team supports you through every step of the loan process.
Build, Buy, Refi, or Extensive Renovation; Our Jumbo Home Loan Programs Go Up To $10 Million, and Up To $4.5 Million on Construction!
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 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 Eligible Areas Of All 50 States. You May Even Be Eligible For Up To *$50,000 Extra Before Or After Closing!
Whether you want to buy or refinance, our USDA loans bring you 100% financing for stick-built, modular, and manufactured double & triple-wide homes. Building instead? Ask about our USDA Construction Loan Alternative using your land equity.
*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!
Zero-Down USDA Rural Development Home Loans, Plus Up To An Extra *$50,000 For Qualified Borrowers!
With a BuildBuyRefi.com USDA loan, qualified borrowers can buy a home in an eligible USDA area with 100% zero-down financing and may qualify for up to an additional *$50,000 to use as needed. We offer USDA purchase loans and rate reduction refinancing on stick-built, modular, and pre-built manufactured homes (within 1 year old), plus renovation loans for every home type, 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.
*We no longer offer USDA construction loans. Most borrowers were disqualified by USDA income limits and debt ratios, and high investor fees reduced qualifying loan amounts. Instead, our USDA Construction Loan Alternative lets you use your land equity toward the down payment on our in-house Conventional or FHA construction programs.