Build with Purpose

From blueprint to breakthrough—we guide you through financing, planning, and executing your dream build.
Get a home value report

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?
You may qualify to buy—but is now the smartest time based on your long-term financial picture?

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.
Your Blueprint For Turning Vision into Real Value

Find Your Ideal Build Loan Type

Build timeline, land status, down payment range

🔨 I’m building soon

Get a custom loan strategy based on your build timeline and project goals. Whether you’re 30 or 180 days out, we’ll show you smart ways to fund each phase without stress.

🏡 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.

💡 I’m still exploring options

Not sure where to begin? You’re not alone. Take our 90-second quiz to find the best loan structure based on your goals, budget, and timeline.

Real Clients, Real Homes, Real Leverage

Accountants & Underwriters
Financial clarity to ensure accurate reporting, smart planning, and successful transactions.
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Accountants & Underwriters
  • Tax Strategy
  • Income Verification
  • Real Estate Accounting
  • Cash Flow Analysis
  • Loan Qualification Support
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Builders & Contractors
Reliable construction solutions to bring your renovation, build, or expansion to life.
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Builders & Contractors
  • New Construction
  • Remodels & Upgrades
  • Project Management
  • Investment Property Renovations
  • Quality Control
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Attorneys & Title Teams
Legal expertise to protect your deals, documents, and long-term property rights.
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Attorneys & Title Teams
  • Contract Reviews
  • Title Searches
  • Closing Coordination
  • Entity Structuring
  • Dispute Resolution
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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
Start The Conversation

Your Custom Build Journey

Lot Selection

Loan Approval

Draw Schedule

Build Completion

Move-In + Refinance Option

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
Start The Conversation

100% Client Satisfaction

Real Comments, Real People

Hear From Some Past Clients of Our Founder

Jim Elliott

Smooth Loan Process & Best Deal with Jim Blackburn Team

All aspects of the loan process went well and smoothly. I would highly recommend the Jim Blackburn Team to get the best deal and save money on a loan.

Jim Elliott - via Facebook

Pilot at United Airlines -
NORTH CAROLINA
Ginny Zuniga

Jim's team makes you feel like their top priority.

I never met people so nice like with Jim’s team. They care for your interest and make you feel like you are the most important person in the world.

Ginny Zuniga - via Facebook

Enginneer Doc Control at Eversource Energy -
MASSACHUSETTS
Scott Stapleton

Complicated mortgage made simple saved thousands thanks to Jim's guidance!

Made a complicated process simple and understandable and got us a great deal, saving thousands... strongly recommend.

Scott Stapleton - via Facebook

Founder at Space Architecture -
FLORIDA

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.
Start Climbing Those Stairs