Does UBH require perfect credit to build a home?

No. UBH reviews your full financial picture, including employment, income, land value and existing debts, not just a single credit score.

Can I still build if I've had late payments or credit problems?

Possibly. A temporary setback is reviewed differently than an ongoing financial issue. Your income, employment stability and recent payment history all factor into the review.

Does owning land help me qualify for financing?

Yes, in many cases. Land equity can strengthen your financing position, especially if you own your land outright or owe significantly less than it's worth.

What if I don't qualify right away?

UBH can help identify what's preventing approval, such as payment history, debt levels or credit report issues, so you have a clear plan rather than assuming homeownership isn't possible.

Where does UBH offer this financing option?

UBH works with landowners in Texas, Arkansas, Louisiana and Oklahoma. Contact your nearest UBH Design Center to discuss your situation.

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