Build with Purpose
From blueprint to breakthrough—we guide you through financing, planning, and executing your dream build
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.
Learn About Our Partnership
DOWNLOAD OUR FREE CONSTRUCTION & BUILD GUIDE
Your blueprint for turning vision into real value.
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?
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.
Tell us about your project, and we’ll help you run the numbers and plan the smartest path forward.
Real Clients, Real Homes, Real Leverage
- Taylor & Jordan started with a $70k lot and built a $520k home. Their appraisal came in $60k over cost. We helped them structure the draw schedule for cash flow and closed on-time.
- Shannon turned her backyard into a legal ADU for her mom and saw a 2X property value increase.
- Ethan & Malik, first-time builders, used a low-down-payment one-time-close loan to create a modern duplex. They now live in one unit and rent the other—covering 70% of their mortgage.
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.
Bonus Opportunities for Builders
Stay updated on builder incentives, low-rate promos, and grant-backed funding options.
Be the first to know about new subdivisions, pre-market lots, and off-market builder specials.
Your Dream Home Is Closer Than You Think
Whether you’re building a custom dream home, investment duplex, or accessory unit for income or family—this journey requires vision and structure.
We’re here to guide every step—because real wealth is built with intention.
100% Client Satisfaction
Real Comments, Real People
Hear From Some Past Clients of Our Founder
First-time home purchase and refinance with fast closing
Great customer service! We were living in California for 20+ years, and every year our rent went up, so we decided to move to Virginia and get our own house. Jim helped us with our very first home mortgage and constantly updated us with the lowering rates. After we were presented with different options, we decided to do a refi, and his team made it possible for us to grab the opportunity to shorten our term from 30 to 15 years at a much lower rate. In just around three weeks we were able to close. Me and my family will definitely recommend them!
Johnny Blan - via Facebook
Retired Investor -
CALIFORNIA
CALIFORNIA
Guidance through the purchase process with clear explanations
They worked with me on the purchase process. Their knowledge helped me to choose the option that was most convenient. From the beginning they explained the process. Thanks Jim!
Dayana Ruiz - via Facebook
Mortgage Loan Originator Columbus Capital Lending -
FLORIDA
FLORIDA
Investor-friendly lender who goes the extra mile
I'm an RE investor. Had multiple loan officers but one really stands out – JIM BLACKBURN. Now, he is working on a third deal with me. He does go the extra mile. A few examples from the past: I have tons of properties and live in China with unique income (he made it work!). He called me in China at 1 AM to get information to close the deal. He is super efficient with collecting the right documents upfront to avoid a lot of back and forth later with processors. You can't go wrong with Jim.
Dennis Nikolaev - Facebook
Studio Leader at APCE Dennis Studio -
CHINA
CHINA