The #1 USDA Originator in the Nation 2014 & 2015 and Top Originator 2016!

Construction to Permanent 

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Construction to Permanent Loans

We are a locally owned mortgage lender who specializes in new construction end loans. Ricky Peacock has personally closed over a thousand new construction loans. HSL began as a mortgage broker and has worked its way up to a Full Delegated Mortgage Lender. We offer all the produce of a large bank but with flexible underwriting and relaxed credit criteria. We underwrite, process, and fund all loans in-house. We offer excellent customer service, competitive rates, local appraisal panel, and most importantly, communication. We have developed a system to reduce builders risk by buyer fallout during the construction phases. We  personally work with several sales agents and many builders, who would recommend us.

If you're looking to build and finance your primary residence or vacation home, a Home Solution Lenders, Inc. construction-to-permanent loan may be right for you. You are able to finance a land purchase, as well as obtain financing for the construction, prior to building your new home. Call Home Solution Lenders or apply now to see which loan is the best for you.

Benefits include:

  • Fixed- and adjustable-rate loan options
  • No prepayment penalties
  • Long term rate locks available
  • A single set of closing costs


  • Credit Scores as low as 640
  • 3.5% Required Down Payment
  • Flexible Credit Criteria for Scores and Debt to income ratios, please speak to a loan consultant


  • Credit Scores as low as 640 
  • Down Payments as low as 0%
  • Flexible Credit Criteria for Scores and Debt to income ratios, please speak to a loan consultant


  • Credit scores of 680 and above allow up to 90% LTV

The following housing requirements must be met to qualify for a Home Solution Lenders, Inc construction-to-permanent loan:

  • Your new home must be a single-family detached home.
  • The property must become your primary residence or a second home, such as a vacation home.
  • Your builder of choice must be a licensed contractor.
  • Builder approval with Home Solution Lenders, Inc. is required.