PROGRAMS ADVANTAGE PARTNERS BUILD ON YOUR LOT

We don't just finance your Custom home.
We help build your legacy.

Construction lending built for Texas builders and the buyers who trust them. One loan officer, one process, from the first permit to the final walkthrough.

LEGACY CONSTRUCTION Build on your lot.

LIVE DIGITAL EVENT

Build On Your Lot

SEMINAR

Discover how you can create the custom home you have always envisioned, right on the land you already own. Join our experts for an exclusive seminar covering financing options, construction loans, timelines, and key steps to get started.

DATE TO BE ANNOUNCED — REGISTER TO BE NOTIFIED

60 MINUTES · VIRTUAL · LIVE Q&A

JOIN US TO LEARN:

FINANCING OPTIONS FOR YOUR LOT
CONSTRUCTION LOAN EXPLAINED
TIMELINE & PROCESS OVERVIEW
Q&A WITH OUR LENDING EXPERTS

BUILDER PARTNERSHIP

Join the Legacy
Builder Network

Become an approved Legacy builder partner and give every custom-home client a financing path built for construction. Approval is typically completed in days, not weeks.

GET APPROVED

Builder Inquiry

Company / Builder Name

Contact Name

Email Address

Phone Number

Primary Markets / States Served

Annual Build Volume

Tell Us About Your Projects

Consent to Communicate

By checking this box, I consent to receive informational and marketing communications — including emails and text messages — from Efinity Mortgage (NMLS #1043983) at the email address and phone number provided. Msg frequency varies; msg & data rates may apply for texts. Reply STOP to opt out of texts at any time, or use the unsubscribe link in any email. Consent is not a condition of obtaining any loan or service.

Our Programs

Every buyer qualifies somewhere. From conventional one-time close to FHA construction, Legacy has a path for every client your build brings through the door.

One-Time Close

Single application, one set of closing costs. Rate capped at construction close, then converts automatically to permanent financing.

Two-Time Close

Two closings for maximum flexibility. Adjust terms or increase the loan amount at permanent close to cover upgrades.

FHA Construction

As low as 10% down. Opens custom construction to first-time and moderate-income buyers, then auto-converts to an FHA mortgage.

Manufactured Housing

New manufactured homes on permanent foundations, built to FHA and HUD standards on land your client owns or purchases.

ONE-TIME CLOSE•TWO-TIME CLOSE•FHA CONSTRUCTION•MANUFACTURED HOUSING•45-DAY CLOSE TARGET•LOANS TO $1.5M•LOT EQUITY AS DOWN PAYMENT•INTEREST-ONLY DURING BUILD•ONESITE DRAW PORTAL•ONE-TIME CLOSE•TWO-TIME CLOSE•FHA CONSTRUCTION•MANUFACTURED HOUSING•45-DAY CLOSE TARGET•LOANS TO $1.5M•LOT EQUITY AS DOWN PAYMENT•INTEREST-ONLY DURING BUILD•ONESITE DRAW PORTAL•

BUILDER NETWORK

Building Across Multiple States

ARIZONA ARKANSAS CALIFORNIA COLORADO FLORIDA GEORGIA IDAHO ILLINOIS KANSAS KENTUCKY LOUISIANA MARYLAND NEW MEXICO OHIO PENNSYLVANIA TENNESSEE TEXAS VIRGINIA WASHINGTON

The Legacy Advantage

A true construction partner, embedded in your process from the first permit to the final walkthrough.

One Loan Officer, Start to Finish

No handoffs. Your client works with one dedicated construction specialist from application through permanent financing.

ONE POINT OF CONTACT

Rate Locked When You Need It

Lock the rate during application or processing, protecting your client from market swings before they break ground.

Lot Equity Counts

Clients who already own their land can apply that equity toward the down payment, often bringing little or no additional cash to closing.

DAY CLOSE TARGET

Begin Your
Legacy Journey

OFFICE

[ Street address ]
Austin, Texas [ ZIP ]

CONTACT

[ Phone number ]
[ construction@efinitymortgage.com ]

Full Name

Email Address

Program of Interest

Your Vision

Consent to Communicate

NAVIGATION

PROGRAMS

ADVANTAGE

PARTNERS

LEGAL

LICENSING

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INSTAGRAM

NMLS

#1043983

EQUAL HOUSING LENDER

We don't just finance your Custom home. We help build your legacy.