FM Home Loans

Your first step, closer to home.

GOLD LENDER

Fix & Flip, Ground Up

Virtual Inspections allowed on:Fix & FlipGround Up

Loan Close Time: 3-5 business days

Overview

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.

Draw & Construction Process
1 – Apply for Your Loan

Complete our quick online application, and let FM Home Loans guide you through the process.

 

2 – Customized Financing

We work with you to create a financing plan tailored to your project’s needs and your unique goals.

 

3 – Get Started

With funds in hand, you can confidently acquire, renovate, and sell properties.

Best For
Loan Programs

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:

  • Lock below-market forward commitments for your buyers before they even break ground
  • Finance the rate buydown directly through your construction loan
  • Use the same pricing tools as national builders to improve affordability, accelerate absorption, and protect your margins without discounting

It’s a game-changer for positioning: you maintain pricing power while offering buyers monthly payments they can actually afford.

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