Cell 586-917-5534
Construction Loan Programs
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Construction Loan Officer

Jerry Thomas
Construction Loan Officer
Office: (248) 247-5582
Cell: (586) 917-5534
NMLS #134090
GA- GRMA #56700
FL- L048618
MI- 134090
PA- 101608
OH- MLO-OH 134090
VA- MLO 39826 VA

Cranbrook Loans
41800 Hayes Road
Clinton Twp. MI 48038
NMLS #1221113

VA Construction Loan Programs

Licensed in Michigan, Ohio, Florida, Virginia and Georgia.

Construction lending is the “deep end” of the mortgage pool. The majority of mortgage loan officers have never closed a construction loan. We offer Conventional, FHA, and VA Construction Loans and have the experiance to close them quickly.

Have you been told by another lender that the FHA and VA don’t do construction loans? Don’t believe it, we’ve closed them. Take a look around the website and feel free to call or email for a personal consultation.  Call or email me if you have questions or wish to be pre-qualified. We look forward to hearing from you.

What I Do

More Than 25 years Experience!

On one side of my business I have clients that need money to buy, build or refinance their home. On the other side of my business I have multiple lenders. Each lender excels in one or more types of lending. It’s my job to match my borrowers up with the right lender.

What stands in the way? Guidelines, pages and pages and pages of guidelines. Minimum credit scores, maximum loan to value, source of funds, debt to income, debts that are part of the borrower DTI, debts that don’t have to be counted in the DTI, appraised values, home types that eligible for funding and those that are not, and it goes on and on and on. Their are hundreds, if not thousands of pages of guidelines.

A good loan officer asks a lot of questions upfront. That way we can set the proper expectations and put you in the right loan with the right lender.

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    Loan Programs

    1x close loans

    Conventional 1x Close

    This is the best program with the best rates and fees. One closing, one set of fees. You must have at least a 680 credit score and 5% down.

    Construction Loans

    Conventional 2x Close

     If you plan on being your own General Contractor, or doing some of the work yourself, this is the program you will have to work with. Two closings, two sets of fees. You will need at least 15% to 20% or more down and a good credit history.

    Luxury Home

    High Balance and Jumbo 1x Close

    Need a loan over the Conventional loan limit? I got that! Now offering High Balance and Jumbo 1x close construction to perm loans up to $3,000,000! 10% down, call for details.


    FHA and VA 1x Close

    Don’t qualify for a conventional program? These government programs can be the answer. They have lower down payments, 3.5% for FHA, VA 0% down. Minimum 620 credit score. No payments during construction.

    Rehabilitation loans

    Rehabilitation Loans

    These loans are for existing homes that need a little, or a lot, of work. The most widely known program is the FHA 203k program, the VA, Fannie and Freddie also offer these loans.