Mabrey is a builder, not a lender — but financing guidance is built into our process from the first consultation, so the money conversation never becomes the surprise.
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Typical ranges, not a quote or an offer to lend. Your number comes from a site visit.
How do people finance a custom home or major remodel
Most Triangle construction projects are funded one of three ways: a construction loan that converts to a mortgage after the build, home-equity lending (HELOC or a home-equity loan) for additions and remodels on a home you already own, or cash — often phased with the project's payment milestones. Mabrey Construction is not a lender and this is guidance, not an offer to lend: we help you understand the routes, prepare the documentation lenders ask for, and align the project schedule with how the money flows.
Which route fits depends on what you are building, what you own today, and how you want the draw schedule to run. We walk it with you honestly.
Construction-to-Permanent Loan
- The common route for ground-up custom homes
- Funds the build in draws, converts to a mortgage after
- Lot and land lending folds in when the site is not yet yours
Home-Equity Lending
- The workhorse for additions, basements, and remodels
- HELOC or a fixed home-equity loan
- Borrowed against the home you already own
Cash, Phased to Milestones
- The simplest route when the project allows it
- Payments track the documented build phases
- Milestones set in the construction agreement
Financing guidance is not a separate meeting — it is wired into the same 7-step framework as the build itself.
- Budget ballparks and financing options discussed at the complimentary consultation
- Design & Discovery produces the plans and cost analysis lenders require
- The construction agreement sets the payment schedule and milestones in writing
- Draws and progress align with the documented build phases
Mabrey Construction is a licensed general contractor, not a lender. Nothing on this page is financial advice or an offer to lend; lending terms, rates, and approvals come from your lender.
Cannot find your answer? A real person is one call away, no pressure.
- A real person answers. No phone tree, no pressure to commit.
- Free consultation: scope, budget, and next steps in writing — before any contract.
- Straight answers on cost, permits, and financing, even when the answer is that the smaller project wins.
No — Mabrey Construction is a builder, not a lender, and nothing on this page is an offer to lend. What we do is walk you through the financing routes families actually use, help you understand what lenders will ask for, and structure the project documentation they need. Financing options are discussed from the very first consultation.
Early — ideally around the first consultation. Construction lending moves on documentation: plans, budgets, and a builder contract. Our Design & Discovery phase produces exactly the documents a construction lender wants to see, which is why financing and design planning run side by side in our process.
A complimentary consultation covers scope, budget, and the financing routes that fit — before any commitment.