Highland Mortgage
Builders Division
Highland Mortgage’s Builder’s Division is committed to supporting builders with flexible financing solutions, including the ability to buy a block of rates (forward commitment) below market rate. Our dedicated team brings deep industry knowledge and a passion for helping builders succeed. We’re focused on delivering reliable lending options, streamlined processes, and a collaborative approach to meet your needs. Partner with us as we grow together, building strong foundations for the future.
Builder Solutions
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1x Construction to Perm
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Renovation HELOC
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Cashout Refinance
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Fix n Flip
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Lot Loan
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FHA 203K
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Spec Home Lending
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And more!
Key Features
- Competitive interest rates tailored for builder financing.
- Flexible financing solutions for both small and large projects.
- Our RateBlock program allows groups of 2, 4, or more builders to buy a block of rates together.
- Facilitation of group formation for builders to access below-market rate purchases.
- Support in coordinating interested builders for collective purchasing power.
- Access to exclusive programs designed specifically for smaller builders to compete with "Big Box Builders."
- Programs offering rate buydowns and incentives for quicker project completion.
- Financing solutions for inventory that can be completed within 120 days.
- Personalized support and consultation to optimize financing strategies.
What Does This Mean for You, the Builder?
- Better pricing and lower costs on financing.
- Reduced risk of leftover funds or unutilized financing.
- Increased project profitability through rate stability.
- Opportunity to offer attractive financing options to homebuyers.
- Enhanced competitiveness by leveraging collective builder programs.
- Streamlined process to secure financing for multiple projects at once.
Advantages of Our RateBlock Program
- Smaller builders gain access to competitive rates typically reserved for larger companies.
- Ability to confidently manage and budget for projects with predictable financing costs.
- Flexibility to offer rate buydowns and promotions to potential homebuyers.
- Access to flexible financing that supports project timelines and sales strategies.
Emailed Ratesheets
To keep you updated on the latest rates, we send out rate sheets twice a week.
Dedicated Communications
We believe in maintaining transparent and open lines of communication. With our dedicated Builder hotline, you will have direct access to our team for any inquiries or assistance you may need. Additionally, we provide weekly pipeline reports to keep you informed about the status of your projects.
Our commitment to transparency ensures that you are always in the loop and can make informed decisions with confidence.
Pipeline Management
As a valued partner, we will assign a Dedicated Relationship Manager who will serve as your primary point of contact for all your projects. This manager will work closely with you to understand your specific needs and goals, providing personalized support and ensuring that your projects run smoothly. With a dedicated relationship manager, you can focus on building while we handle the rest.
In-house Underwriting
Our underwriting decisions are made internally at the local level, ensuring that they are tailored to the specific needs of your projects. This localized approach allows us to provide faster and more accurate underwriting decisions, reducing delays and streamlining the financing process. With in-house underwriting, you can expect efficient and responsive service that is designed to meet the unique demands of your construction projects.
New Construction Appraisal Panel
We have established a specialized New Construction Appraisal Panel to ensure that your projects are accurately evaluated and assessed. We will add appraisers as needed so our turn times are quick. We welcome appraiser referrals.
Our Partner
Highland Mortgage
Boxcar Mortgage, LLC DBA Highland Mortgage
NMLS #1969375
404-850-0959
664 Seminole Ave NE , Suite #101
Atlanta, GA 30307
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