Build with Purpose
From blueprint to breakthrough—we guide you through financing, planning, and executing your dream build.
Builder Financing vs. Buyer Financing—What’s the Difference?
Not all builders offer the same financing flexibility—and not all lenders can match your builder’s timeline.
We help bridge the gap between builder, lender, and buyer—offering:
- Builder-approval assistance
- Custom draw schedules
- Pre-construction budgeting tools
- Rate locks that cover construction periods
- Coordination with title, appraiser, and inspector timelines
Ready to explore construction financing? Calculate your Conventional New Construction Loan Payment now to understand your monthly costs during and after the build process.
Questions Most People Overlook When Building a Home
What loan type is best—Construction-to-Perm, Lot + Build combo, or one-time close?
How will draw schedules and interest-only periods affect your cash flow?
What happens if materials get delayed or costs increase mid-project?
Should you structure this in your name… or under an LLC or trust?
Will you be able to refinance into a traditional loan if the market changes?
Have you considered the full financial flow?
Building a home isn’t just about design—it’s about making smart financial decisions every step of the way.
From choosing the right loan structure to securing builder approvals, draw schedules, and managing costs—there’s a lot that can go wrong… or incredibly right.
At Stairway Mortgage, we help you navigate the entire process: from raw land or teardown to move-in ready—with clarity, strategy, and trusted partners.
Planning a custom build? Calculate your Jumbo New Construction Loan Payment now to see financing options for higher-value custom home projects with construction timelines built in.
Your Custom Build Journey
Smart Construction Strategies—Beyond the Build
Building offers opportunities most don’t consider—like:
- Locking in land early and building equity before construction
- Using a second structure (ADU or duplex) for income generation
- Building your primary home with the intention of converting it later to a rental
- Integrating green energy or smart tech for future appraisal value
- Designing with tax benefits and financing in mind—not just aesthetics
Building with investment in mind? Calculate your Build To Sell Spec Home: Purchase, Teardown, Build, Sell, Profit now to understand the complete financial picture of building for profit.
Find Your Ideal Build Loan Type
Build timeline, land status, down payment range
I'm building soon
Need help connecting with builders and construction professionals? Get An Introduction to experienced builders, architects, and contractors who work seamlessly with our construction financing process.
I already have land
Turn your land into leverage with better financing terms.
You may qualify for lower costs or easier approvals—just because you already own the dirt.
Download our free Active Investor’s Guide
Scaling your portfolio isn’t just about buying more properties — it’s about buying smarter. Whether you’re leveraging equity, using strategic financing, or targeting cash flow, this guide helps active investors grow with purpose, precision, and confidence.
New brand. Same trusted leadership.
What Clients Say About Working with Jim & His Team
Built on Trust. Backed by Experience.
Christina Curva Carrasco - via Facebook
Smooth, fast, and hassle-free mortgage and refinance process.
Jim and his team are great to work with! We have used Jim twice with our home mortgage. Both times, the process was smooth and uneventful (which is what I wanted). He has kept in touch with us and contacted us when he felt it was the right time for us to refinance! I was amazed at our refinancing process – it took them about a little over two weeks to process all our information and close! I love the new online process of submitting all the information they require – it made it super easy for me to organize and gather all the documents.
Swaminathan Subramaniam - via Google
This is the third time I refinanced with Jim. Jim worked with me to understand my financial situation and provided options for a mortgage that helped me choose the right option. His team is very responsive, sticks to the timelines provided, and helps close the loan smoothly. Jim is personally available around the clock to address any queries and ensure they are addressed to satisfaction. I would certainly recommend Jim and his team for anyone looking for a new loan or refinance. Even after the loan is closed, Jim sends tips and news from the market.
Carolina Forsyth - via Facebook
We've worked with Jim and his team twice in the last five years – first to purchase our home and then to refinance. We appreciate how easy the process is with electronic filing and signing of documents all from our mobile devices. Jim works diligently, is patient to answer all questions (he gets back within 24 hours or less), and is incredibly accessible. We've been pleased with him and his team's work and recommend them with full confidence.
Brian Robertson - via Zillow
Jim and his team were great working through the mortgage loan process, given the flood of refis happening right now causing longer-than-usual closings. Jim always provided prompt replies to my emails and worked with us to secure the best rate to not only reduce our 30 to a 15, take cash out for a home renovation, but also consolidate our first and second mortgage together into one. He provided many loan options for us to consider, balancing both cash-out limits with the best interest rates. I really liked working with them.
Di Zeng - via Google
Discover the Goals That Drive Your Financial Journey
When you build a home, you’re building more than walls — you’re building a financial blueprint.
Take the Discovery Quiz to align your design, your dollars, and your long-term goals with purpose and clarity.