Can I build with little or no money down?

Many qualified customers may be able to build with minimal out-of-pocket expenses, especially when land equity is applied. Eligibility and terms are subject to underwriting guidelines.

Do I need to pay off my land before building?

Not necessarily. In many cases, existing land equity and any remaining land balance may be considered as part of your financing plan, subject to underwriting guidelines.

Is United Built Homes a fixed-price builder?

Yes. United Built Homes is a fixed-price builder. Before construction begins, you will know the price of your home and the mortgage loan amount used to finance it. Any customer-initiated changes after contract execution may affect final pricing and will be disclosed in advance.

Are there out-of-pocket lender fees?

For many qualified customers, financing can be structured with no upfront out-of-pocket lender fees at closing. Availability is subject to underwriting guidelines and program terms.

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Financing Your New Home

Home financing is our specialty. You won’t find a confusing mortgage process or need to find a third-party lender. With United Built Homes, we provide the financing for your home — with one loan, one closing, and a clear understanding of your costs before construction begins.

Our approach removes uncertainty from the building process, so you can focus on designing and building a home you’ll love, on land you already own.

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Simple, In-House Financing Built Around You

When you build with United Built Homes, financing is handled directly by us — not a bank unfamiliar with construction or building on your land. That means no separate construction loan, no second closing, and no unnecessary complexity.

We combine construction and permanent financing into one mortgage, with terms designed specifically for building on your land. Your home price is established upfront, allowing your loan to be structured around a clear, defined amount — giving you predictability from the very beginning.

What makes our financing different:

One loan from start to finish
One closing — not two
Fixed home price before construction begins
No out-of-pocket lender fees for many qualified buyers

Our experienced team evaluates your full financial picture — including land ownership and equity — to help create a financing plan that works for your situation.

A woman sits comfortably in a light gray armchair, holding a credit card in one hand and using a laptop with the other, suggesting she is shopping online in a cozy, well-lit living room.

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How Our Financing Compares

Many traditional homebuilding loans require a short-term construction loan followed by a separate permanent mortgage. This often means multiple closings, duplicate fees, and significant out-of-pocket expenses before construction even begins.

United Built Homes takes a different approach. By providing in-house financing and combining construction and permanent lending into a single loan, we eliminate many of the upfront costs and complications commonly associated with building a home.

The result is a more straightforward process, fewer surprises, and a clearer path from planning to move-in day.

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One Loan vs. Traditional Construction Financing

Traditional Construction Financing

Construction loan required
Second permanent mortgage later
Two closings
Multiple lender fees
Interest during construction
Final cost can change

United Built Homes Financing

One in-house mortgage
One closing
Fixed home price before construction begins
No out-of-pocket lender fees for many qualified buyers*
Simple, guided process

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Financing Designed for Building on Your Land

Our financing program is ideal for customers who already own land or plan to build on family property. In many cases, the value of your land can be used toward your home financing, potentially reducing or eliminating the need for a down payment.

Because United Built Homes is a fixed-price builder, you’ll know the cost of your home and the mortgage loan amount before construction starts — not after. There’s no guessing, no cost-plus pricing, and no surprises caused by material price fluctuations.

For many qualified customers, UBH financing can be structured with no upfront out-of-pocket lender fees, helping preserve your cash during the building process.

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Is UBH Financing Right For You?

You already own land or plan to build on family property
You want a simple, one-loan financing solution
You want clear pricing before construction
You value guidance from a team experienced with land-based homes

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Learn How UBH's Financing is the Best Path to a New Home On Your Land

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Financing programs described on this page are available for qualified customers and subject to underwriting guidelines. Mortgage offers for qualified home buyers, not all customers will qualify. NMLS 39943.