BuildBuyRefi Knows You Deserve The Best!



BuildBuyRefi’s Niche Lending Team Are passionate, Direct Bankers, Delivering You A 5-Star Customer Service Experience 7-Days A week! is a market leader providing educational information for all one-time close construction, cash-out, purchase and home renovation loans. is a division of Magnolia Bank, and operates the following marketing sites; for Veterans, for USDA rural home loans, for all fixed foundation Manufactured home loans, and for the one-time close construction loans that include land and home in just one loan.

We don't discriminate on borrowers, property type or location. We love what we do, providing products and solutions for homebuyers and homeowners nationwide.


Our mission is to stand out from the rest, and in one phone call you will see how positive and different we are.  Our goals are simple – to go above and beyond to make your home-buying or refinancing process smooth and pain-free.

Whether you’re looking to Build, Buy, or Refi, we have the programs and 5-star reviews you need in a top rated lender.

We provide a relentless commitment and dedication to meeting your needs. By offering our clients the best programs offered by Conventional, FHA, USDA, and VA guidelines, we won't stop until you get everything you want and deserve.

With over 50 years of combined experience, we understand what customers want out of their lending partner, that's low-rates, fast-service, and no B.S. We aim to make this happen 7-days a week on your schedule, not ours.


 Financing That Makes Dreams Come True.

We specialize in outside-the-box thinking and programs. From manufactured homes to jumbo loans, whether it's rural property with large acreage, or utilizing your VA benefits, we don't let obstacles get in the way.

We’ll work hand-in-hand with you through the entire home loan process, bringing our expertise on the tougher deals that often cause most bankers to shy away. When you work with BuildBuyRefi, you can rest easy, knowing your loan is in the best hands possible.

With a list of clients who give their honest feedback on the experience we provide, you’ll learn our up front transparency is designed to educate you on making the wisest time-saving choices. In a world where you can go anywhere, we want BuildBuyRefi to feel like the natural and right choice for you and your family.

 Home Loan Experts You Can Count On!

Putting our client’s needs first is how we naturally operate, this is why we don't believe in pushing you off to junior assistants when you need the answers to make your decisions. When we say 7-days a week, we mean it!

We believe in working with you, from start to finish, thoroughly explaining and educating each step of the way. Because we hold ourselves to such a high standard of service, we’re confident you'll know your loan is in the hands of caring professionals.

Answering phone calls swiftly, returning emails promptly, and addressing concerns at any moment’s notice, we make obtaining your home loan straightforward and easy.

We provide in-house underwriting, giving us the time advantage over traditional brokers that don't have our broad reach or program options.

We’re ready to roll up our sleeves, making sure you have our direct cell phone numbers for any questions, at any time, to ensure you get the home, rate, and programs you want and deserve!


Tough Home Loans Don’t Scare Us!


With Credit Scores Starting At 580, BuildBuyRefi Is Committed To Providing Loan Programs Other Lenders Won’t Touch.

We’re a group of hard-working, career loving mortgage bankers rolling up our 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.


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