Cell 586-917-5534
Construction Loan Programs
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Jumbo, Conventional, FHA, VA 1x Close Construction Loans Rehabilitation Loans 25+ Years Experience in Construction Lending 1x Close Construction Loans Serving *Michigan *Ohio *Florida *Virginia *Georgia *Alabama
Construction Loan Officer

Jerry Thomas
Construction Loan Officer
Office: (248) 247-5582
Cell: (586) 917-5534
NMLS #134090

GO Mortgage
15430 W Capitol Dr
Brookfield, WI 53005
(800) 444-7283
NMLS #1018

Conventional, VA and FHA Construction Loan Programs

Licensed in Michigan, Ohio, Florida, Virginia and Georgia.

Have you been told by another lender that the VA and FHA  construction loans don’t exist? Don’t believe them. In addition to Conventional construction loans we also offer these government construction loans! These are single close construction loans that act as both your construction loan and your end loan. No need to qualify a 2nd time, get a 2nd appraisal or pay a 2nd set of closing fees like some other programs.

Take a look around the website and feel free to email me for a personal consultation. I will match you with the best program, from the best lender, for your project.

With over 25 years experiance I will close your loan quickly. Construction lending is the “deep end” of the mortgage pool. The vast majority of mortgage loan officers have never done a construction loan. It’s vital that you know who’s in charge of you application and that they have the experience to close your loan quickly . 

Do you already own your land? You may be able to use your land equity to cover your down payment and roll in your closing costs! You can building a site built, manufactured or modular home. With the VA and FHA Construction Loan programs you have no payments until the home is completed. Your interim interest will be rolled into your contract to build. 

How I can Help

More Than 25 years Experience!

On one side of my business I have clients that need money to buy, build or refinance their home. On the other side of my business I have multiple lenders. Each lender excels in one or more types of lending. It’s my job to match my borrowers up with the right lender.

What stands in the way? Guidelines, pages and pages and pages of guidelines. Minimum credit scores, maximum loan to value, source of funds, debt to income, debts that are part of the borrower DTI, debts that don’t have to be counted in the DTI, appraised values, home types that eligible for funding and those that are not, and it goes on and on and on. Their are hundreds, if not thousands of pages of guidelines.

A good loan officer asks a lot of questions upfront. That way we can set the proper expectations and put you in the right loan with the right lender.

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    Loan Programs

    1x Close Construction Loan

    Conventional 1x Close

    This is the best program with the best rates and fees. One closing, one set of fees. You must have at least a 680 credit score and 5% down.

    Construction Loans for Owner Builders

    Conventional 2x Close

     If you plan on being your own General Contractor, or doing some of the work yourself, this is the program you will have to work with. Two closings, two sets of fees. You will need at least 10% down, more likely 20% and a score in the 700’s.

    Jumbo Home Loan

    High Balance 1x Close

    Need a High Balance Conventional, FHA or VA Construction Loan? I got that! Now offering High Balance construction to perm loans up to $765,600! Call for details.


    FHA and VA 1x Close

    Don’t qualify for a conventional program? An FHA or VA construction loan can be the answer. They have lower down payments, 3.5% FHA, 0% down VA, and lower credit score requirements, 640 for both. You can even roll in the construction loan fees and interest during construction.

    Rehabilitation Loans

    Rehabilitation Loans

    Rehab loans for short. These loans are for existing homes that need a little, or a lot, of work. The most widely known program is the FHA 203k program, the VA, Fannie and Freddie also offer these loans.