Construction Loan Myths, Debunked
Nine construction loan myths debunked with agency sources: FHA 3.5% down, VA and USDA $0 down, draw schedules, rate float, and owner-builder rules in Colorado Springs.
Manufactured and Modular Home Construction Loans in Colorado
How to finance a new manufactured or modular home in Colorado Springs. Modular vs HUD-code manufactured, plus FHA, VA, USDA, Fannie and Freddie rules.
Construction Loan Timeline: From Application to Move-In
A stage-by-stage construction loan timeline for Colorado Springs and El Paso County buyers, from pre-approval to move-in, with realistic durations and agency rules.
Building a Home in Colorado Springs: The Financing Roadmap
The financing roadmap for building a home in Colorado Springs and El Paso County: land, loan programs (VA, USDA, FHA, conventional), builders, and the path to move-in.
Construction Loan vs. HELOC vs. Renovation Loan: Which One Fits?
Building new, remodeling, or tapping equity in Colorado Springs? Compare construction loans, HELOCs, and renovation loans (FHA 203k, HomeStyle, CHOICERenovation, USDA) to match the loan to your project.
Construction Loan Rates and the Float-Down: How Pricing Works During the Build
How construction loan rates and float-down options work in Colorado Springs: when the rate locks on one-time-close vs two-time-close, FHA and VA float ceilings, and why construction pricing runs higher.
Owner-Builder Construction Loans: Can You Be Your Own Contractor?
Can you be your own general contractor on a construction loan? The per-agency rules for FHA, VA, USDA, and conventional loans, and the honest lender reality.
Construction Loan Requirements: Credit, DTI, Reserves, and Your Builder
Construction loan requirements explained: credit score minimums, DTI, reserves, and the builder underwrite (license, contract, USDA experience). Colorado Springs.
How Construction Loan Draws and Inspections Work
How construction loan money is released: draws, inspections, written borrower approval, interest reserves, and contingency reserves — with FHA, VA, USDA, and conventional rules explained.
Conventional Construction Loans (Fannie Mae & Freddie Mac)
How conventional construction-to-permanent loans work under Fannie Mae (Selling Guide B5-3.1) and Freddie Mac (Guide 4602), with 2026 rule changes, for Colorado Springs builders.