GOLD LENDER
Loan Close Time: 3-5 business days
As home loan experts since 1999, FM Home Loans has guided thousands of buyers to the triumph of property purchasing and financing.
In the ever-shifting world of mortgage lending, our team has earned a rare level of prestige for its steadfast ethics, stellar customer service and unrivaled expertise.
We believe the loan process is a team effort. Our skilled loan officers are great listeners and even better accomplishers who keep clients informed throughout the loan process to ensure that they make educated decisions to achieve their financial needs and goals.
Complete our quick online application, and let FM Home Loans guide you through the process.
We work with you to create a financing plan tailored to your project’s needs and your unique goals.
With funds in hand, you can confidently acquire, renovate, and sell properties.
Fix and Flip Loans:
Whether you’re a seasoned pro or just starting your journey, FM Home Loans is here to empower your success with our Fix and Flip Loan program. We understand the intricacies of the real estate market, and our financing solutions are designed to cater to your needs.
Ground Up Loans:
Our Ground-Up Construction program gives builders and developers the capital and certainty they need to execute—from dirt to delivery.Fast, Flexible Financing Built for BuildersWe provide competitive construction financing for single-family homes, townhomes, and small multi-unit properties. With streamlined approvals, flexible draw schedules, and terms that adapt to your timeline, we’re structured to keep pace with your build—not slow it down.The Competitive Edge: Builders Affordable PlatformWhen you build with FM Home Loans, you unlock a strategic advantage most regional builders don’t have: direct access to our Builders Affordable platform.This means you can:
It’s a game-changer for positioning: you maintain pricing power while offering buyers monthly payments they can actually afford.

Ratings are based on the following criteria:
Platinum & Gold Lenders
Platinum and Gold lenders are committed to delivering a modern, streamlined draw experience. These lenders typically support fully digital draw requests combined with virtual inspections across a wide range of project types. Their goal is to provide the fastest possible turnaround times without compromising risk management or construction oversight.
Silver & Bronze Lenders
Silver and Bronze lenders are still strong lending partners and have automated portions of their draw operations. However, the borrower experience may vary depending on the project type, inspection method, or capital partner requirements. In some cases, additional approval layers or third-party capital sources can increase reimbursement timelines.
About Virtual Inspections
Virtual inspections allow borrowers to skip scheduling a field inspector. They are typically reviewed within hours of submission. Borrowers must still document work thoroughly, including cost evidence (receipts) and lien waivers where applicable. Every lender listed on Lenderly offers virtual inspections and automated draw requests. The majority utilize independent construction experts for remote review, or they review submissions in house.
A draw-friendly lender is one that prioritizes speed, simplicity, and reliability when it comes to funding your project. They make it easy to request draws, minimize friction in the process, and get you reimbursed quickly so your project keeps moving.
The best draw-friendly lenders combine digital draw request tools with virtual inspections, allowing you to submit, verify, and receive funds often within 24 hours.
By comparison, traditional timelines can slow you down:
Every lender featured here offers a streamlined, digital draw process and supports virtual inspections for at least some of their loan products, helping you access capital faster and with far less hassle.