Financing
About Us
Building a Custom Home Starts With a Solid Financial Plan
Custom Home & Build-On-Your-Lot Financing
Unlike traditional home purchases, building a custom home typically requires specialized financing. Construction loans are designed to fund your home in stages, covering land preparation, construction, and final completion. Our team helps you understand which loan structure fits your situation, whether you already own land or are purchasing it as part of the build.
Working With Experienced Construction Lenders
Ridgeline Homes partners with lenders who specialize in custom home and Build-On-Your-Lot financing. These lenders understand the construction process and offer loan programs tailored to new builds. While you’re welcome to work with your own lender, our preferred partners can help streamline approvals, inspections, and draw schedules. Our team coordinates directly with your lender to keep your project moving smoothly from start to finish.
From Pre-Approval to Move-In
The financing process typically begins with pre-qualification, followed by loan approval once your home design and budget are finalized. During construction, funds are released in stages based on progress milestones. Once your home is complete, your construction loan transitions into permanent financing. Throughout the process, Ridgeline Homes provides documentation, schedules, and support to help ensure everything stays on track.
What Our Customers Say
Hear from homeowners who chose to build with us
John & Sarah Smith
Homeowners
Building our dream home was an incredible experience. The team was professional, transparent, and delivered beyond our expectations.
Michael Johnson
First-time Homebuyer
From the first meeting to move-in day, everything was seamless. We couldn't be happier with our new home.
Emily Davis
Homeowner
The attention to detail and quality of craftsmanship exceeded all our expectations. Highly recommend!