Secure Your Land and Build Together

Plan Financing in Jerome and surrounding areas

You've found the perfect lot in Jerome, and you're ready to build—but coordinating separate loans for land purchase and construction can slow you down. Angels Construction offers builder-assisted financing that covers both the property and the build, so you can secure your site and start construction without juggling multiple lenders. We work with buyers who qualify to streamline the financing process and keep your project moving forward without unnecessary delays.

Our construction financing for custom homes Jerome program includes one-time close construction loans, land acquisition financing, and property development packages tailored to new builds. We handle the coordination between the lender and the construction schedule, so you don't have to manage overlapping timelines or split funding. You get a single loan that covers land purchase and the entire build, with disbursements tied to construction milestones.

Take control of your build timeline—lock in financing today and secure the property you want in Jerome.

How Our Process Works

Our financing process begins with a pre-qualification review to determine what you're eligible for based on income, credit, and down payment. We connect you with lenders who specialize in land and construction combo loans, and we provide project cost estimates that help the lender structure your loan accurately. Once you're pre-approved, we identify available lots in Jerome and help you move quickly when the right property becomes available.

Angels Construction coordinates directly with your lender throughout the build to ensure funds are released on schedule and aligned with construction phases. The lender typically disburses funds after inspections at each milestone—foundation, framing, roofing, and final completion. We submit progress reports and documentation to keep everything on track and avoid funding delays.

We explain how construction draws work, what inspections are required, and how the loan converts to a permanent mortgage once the home is complete. This approach eliminates the need for a separate land loan and simplifies your path to homeownership.

What's Included in This Service

Financing a custom build involves more than just approval—it requires coordination, documentation, and timing. Here are answers to the most common questions we receive about our financing programs in Jerome.

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Do I need to buy the land before applying for financing?
No, our program allows you to finance both the land purchase and the construction in a single loan. You don't need to own the property before applying, and we help you secure it once you're approved and ready to move forward.
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What qualifications do I need to be approved?
Lenders typically look for a credit score of at least 620, stable income, and a down payment between 10 and 20 percent. We work with you to gather the necessary documentation and connect you with lenders who specialize in construction loans for custom homes.
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How long does it take to close on a construction loan?
Closing timelines vary, but most construction loans close within 30 to 45 days once all documentation is submitted. We coordinate with the lender to expedite the process and ensure you can secure your lot without delay.
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What happens if construction costs exceed the original estimate?
We provide detailed cost estimates before the loan is finalized to minimize the risk of overruns. If unexpected costs arise, we work with you and the lender to review options, which may include contingency funds built into the loan or adjustments to the scope of work.
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Can I use this financing for a shop building or accessory structure?
Yes, our financing options cover residential construction projects including custom homes, shop buildings, and other structures on your property. Lenders evaluate the project based on its intended use and the overall value it adds to the land.

Financing shouldn't be the hardest part of building your home. With a single loan that covers your land and your build, you can move forward with confidence and avoid the stress of managing multiple lenders. Whether you're ready to buy a lot or already have one in mind, we'll help you navigate the financing process and get started. Contact us to discuss your options and see what you qualify for.