Welcome to SMC Home Finance!

“Stop letting computerized bank systems put your dreams on hold. Partner with a tri-state lending team that looks at the big picture and has the track record to back it up.”

Fast Speed-to-Close: Speed matters when managing contractors. Once the builder and borrower have signed the executed contract, our average closing happens within 21 business days so your builder can break ground without bank delays.

Only 0% to 5% Down: Keep your cash in your pocket. If your specific build program allows, you can finance your project with as little as $0 to 5% down payment.

Own Land or Buying Land? We Can Help: If you already own your lot, we can use your land equity as your down payment, often allowing you to build for $0 out of pocket. If you found a lot, we fund immediate lot takedowns so you can buy the land today and build later.

No 10% Contingency Required: Most lenders force you to pay an extra 10% contingency fee out of pocket or build it into the loan amount. We waive this completely for fixed-cost builder contracts, saving you thousands upfront and over time.

Avoid the Bank's "One-Time Close" Trap: Banks push one-time closes because they lock you into an inflated, over-market interest rate, forcing you to refinance and pay a second round of closing costs later. Our strategic Two-Close Process keeps your cash liquid, protects you if your builder underperforms, and secures a true, competitive market rate at completion.

Human Decisions, Not AI Box-Checking: We don't fit you into a typical corporate box. Our team makes common-sense, human lending decisions based on the actual merits of your project, not a computer algorithm.

Unmatched Lending Experience: We have been leaders in the construction lending space since 1996 and have successfully helped thousands of families finance their dream homes.

Complete the application below and let’s get building!