{"id":4695,"date":"2023-10-01T21:17:26","date_gmt":"2023-10-01T21:17:26","guid":{"rendered":"https:\/\/vonkdemo.com\/?page_id=4695"},"modified":"2026-07-02T06:35:49","modified_gmt":"2026-07-02T13:35:49","slug":"construction-home-loan","status":"publish","type":"page","link":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/loan-options\/construction-home-loan\/","title":{"rendered":"Construction Home Loan"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; column_spacing=&#8221;60&#8243; css=&#8221;.vc_custom_1782999340913{padding-top: 75px !important;background-color: #FBFAF7 !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;]<style>.vonk_6a68833582ac8{font-size:35px;font-weight:700;}<\/style><h1 class=\"vonk-heading vonk-heading-plain vonk-text-2xl vonk_6a68833582ac8\"><span class=\"vonk-heading-inner vonk-inline-block\">Ready to build your dream home? Explore our construction home loans.<\/span><\/h1><div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:15px;\"><\/div>[vc_column_text font_weight=&#8221;500&#8243; el_class=&#8221;wpex-antialiased&#8221;]Building a home is a big step. Our construction home loans are designed to support you at every stage of this exciting journey.[\/vc_column_text]<div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:45px;\"><\/div><style>.vonk_6a68833583940{gap:15px;}.vonk_6a68833583e6d{background:#ffffff;color:#363636!important;border:solid #363636 1px;}.vonk_6a68833583e6d:hover{background:#b7b7b7!important;color:#ffffff!important;}<\/style><div class=\"vonk-flex-container vonk-flex vonk-gap-20 vonk-flex-wrap vonk_6a68833583940\"><div class=\"theme-button-wrap vonk-text-center vonk-clr\"><a href=\"#quote\" class=\"vonk-button theme-button align-center vonk-mb-15 inline animated-theme-button hvr hvr-float local-scroll-link\"><span class=\"vonk-button-inner theme-button-inner vonk-flex vonk-flex-wrap vonk-items-center vonk-justify-center\"><span class=\"vonk-button-icon vonk-icon-wrap theme-button-icon-left\"><span class=\"vonk-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M168 80c-13.3 0-24 10.7-24 24V408c0 8.4-1.4 16.5-4.1 24H440c13.3 0 24-10.7 24-24V104c0-13.3-10.7-24-24-24H168zM72 480c-39.8 0-72-32.2-72-72V112C0 98.7 10.7 88 24 88s24 10.7 24 24V408c0 13.3 10.7 24 24 24s24-10.7 24-24V104c0-39.8 32.2-72 72-72H440c39.8 0 72 32.2 72 72V408c0 39.8-32.2 72-72 72H72zM176 136c0-13.3 10.7-24 24-24h96c13.3 0 24 10.7 24 24v80c0 13.3-10.7 24-24 24H200c-13.3 0-24-10.7-24-24V136zm200-24h32c13.3 0 24 10.7 24 24s-10.7 24-24 24H376c-13.3 0-24-10.7-24-24s10.7-24 24-24zm0 80h32c13.3 0 24 10.7 24 24s-10.7 24-24 24H376c-13.3 0-24-10.7-24-24s10.7-24 24-24zM200 272H408c13.3 0 24 10.7 24 24s-10.7 24-24 24H200c-13.3 0-24-10.7-24-24s10.7-24 24-24zm0 80H408c13.3 0 24 10.7 24 24s-10.7 24-24 24H200c-13.3 0-24-10.7-24-24s10.7-24 24-24z\"\/><\/svg><\/span><\/span>Request A Quote<\/span><\/a><\/div> <div class=\"theme-button-wrap vonk-text-center vonk-clr\"><a href=\"#learn\" class=\"vonk-button theme-button align-center vonk-mb-15 inline hvr hvr-float local-scroll-link vonk_6a68833583e6d\"><span class=\"vonk-button-inner theme-button-inner vonk-flex vonk-flex-wrap vonk-items-center vonk-justify-center\"><span class=\"vonk-button-icon vonk-icon-wrap theme-button-icon-left\"><span class=\"vonk-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 384 512\"><path d=\"M169.4 470.6c12.5 12.5 32.8 12.5 45.3 0l160-160c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L224 370.8 224 64c0-17.7-14.3-32-32-32s-32 14.3-32 32l0 306.7L54.6 265.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l160 160z\"\/><\/svg><\/span><\/span>Learn More<\/span><\/a><\/div> <\/div><div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:40px;\"><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243;]<style>.vonk_6a688335840d0 .vonk-image-img{border-radius:20px;}<\/style><figure class=\"vonk-image vonk-text-center vonk_6a688335840d0\"><div class=\"vonk-image-inner vonk-relative vonk-inline-block\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/uploads\/2025\/08\/Kitchen-under-construction-in-new-house.webp\" class=\"vonk-image-img vonk-align-middle vonk-shadow\" alt=\"Kitchen under construction in new house\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/uploads\/2025\/08\/Kitchen-under-construction-in-new-house.webp 800w, https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/uploads\/2025\/08\/Kitchen-under-construction-in-new-house-300x200.webp 300w, https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/uploads\/2025\/08\/Kitchen-under-construction-in-new-house-768x512.webp 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" title=\"\"><\/div><\/figure>[\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1756142048306{padding-top: 100px !important;padding-bottom: 80px !important;}&#8221; local_scroll_id=&#8221;learn&#8221; el_id=&#8221;learn&#8221;][vc_column][vc_column_text css=&#8221;&#8221; width=&#8221;1000&#8243;]<\/p>\n<h2>What is a Construction Home Loan?<\/h2>\n<p>A construction home loan, also known as a construction loan, is designed specifically for financing the construction or renovation of a residential property. Unlike a traditional mortgage, which provides long-term financing, a construction home loan offers short-term funding to cover the costs associated with the construction project. This type of loan is typically provided by banks or other lending institutions and is used to pay for construction materials, contractor labor, and other expenses during the construction phase. Once the construction is complete, the construction loan can be converted into a permanent mortgage or refinance into a traditional mortgage. Construction home loans require detailed plans and architectural drawings, as well as a licensed builder to oversee the project. The loan terms, including interest rates and repayment options, may vary depending on the lender and the borrower&#8217;s financial situation. Construction home loans offer a flexible financing option that allows homeowners to fund their construction projects while managing construction costs and ensuring a smooth construction process.<\/p>\n<h2>Types of Construction Home Loans<\/h2>\n<ol>\n<li>Construction-to-Permanent Loan: This type of loan is ideal for those looking to build a new home. It combines the financing for both the construction phase and the permanent mortgage into a single loan. With a construction-to-permanent loan, borrowers only need to go through one application process and pay one set of closing costs.<\/li>\n<li>Construction-Only Loan: If you already own the land and only need financing for the building phase, a construction-only loan is the right choice. It provides short-term funding for the construction project. Once the construction is complete, borrowers typically need to refinance the loan into a traditional mortgage or an end loan.<\/li>\n<li>Renovation Loan: If you&#8217;re planning to renovate or remodel an existing property, a renovation loan can provide the necessary funds. This type of loan allows homeowners to include the costs of the renovation project into their mortgage. It is an ideal option for those who want to improve their current home or purchase a fixer-upper.<\/li>\n<li>Owner-Builder Construction Loan: For those who have the skills and knowledge to act as the general contractor or oversee the construction themselves, an owner-builder construction loan is a viable solution. This type of loan is specifically designed for individuals building their own homes, allowing them to save money on labor costs by undertaking hands-on construction tasks.<\/li>\n<li>End Loan: Also known as a &#8220;take-out loan,&#8221; an end loan is used to pay off a construction or interim loan once the project is complete. It converts the short-term financing used in the construction phase into a long-term mortgage.<\/li>\n<\/ol>\n<p>These various types of construction home loans provide flexibility and tailored financing options to meet the unique needs of borrowers, whether they are building a new home, renovating an existing property, or acting as an owner-builder.<\/p>\n<h2>Benefits of Construction Home Loans<\/h2>\n<p>Construction home loans offer several benefits to borrowers embarking on the journey of building their dream home. One of the key advantages is the option to seamlessly move from construction to permanent financing with one loan package. This eliminates the hassle of undergoing a separate application process for permanent mortgage financing, saving borrowers time and effort.<\/p>\n<p>Furthermore, construction home loans provide the opportunity to lock in the loan with fixed-rate financing during the construction process. This means that borrowers can enjoy the stability of knowing their interest rate will remain the same throughout the construction phase, protecting them from potential rate hikes in the market.<\/p>\n<p>Another advantage is the flexibility of up to one year to complete the project. Construction projects can be complex and unpredictable, and having the freedom to take the necessary time to ensure the construction is done to the highest standards is invaluable. This flexibility also allows for any unexpected delays or adjustments that may arise during the construction process.<\/p>\n<p>Construction home loans offer borrowers the convenience of combining both the construction and permanent financing in one package, the security of locking in a fixed-rate, and the flexibility of up to one year to complete their project. These benefits make construction home loans an attractive option for individuals looking to build their dream home.<\/p>\n<h2>Applying for a Construction Home Loan<\/h2>\n<p>Applying for a construction home loan can be an exciting and rewarding process for those looking to build their dream home. Before beginning the application process, it is important to understand the various types of construction loans available and how they work. Construction loans typically come in three main types: construction-only loans, construction-to-permanent loans, and owner-builder construction loans. Each type of loan has its own set of requirements and eligibility criteria, so it is essential to work with a knowledgeable loan officer who can guide borrowers through the application process and help them determine the best loan program for their needs.<\/p>\n<p>When applying for a construction home loan, lenders will typically evaluate important factors such as credit scores, income ratios, and financial statements. Meeting the minimum credit score requirements and demonstrating a stable income history are vital for securing approval. Additionally, lenders will assess the borrower&#8217;s ability to handle the financial responsibilities of both the construction phase and the long-term financing. Another key consideration is the evaluation of detailed plans for the construction project, ensuring that the architectural and construction plans are feasible and meet all necessary regulations.<\/p>\n<p>During the application process, borrowers will also need to provide information about the construction costs, including materials, labor, and any other related expenses. They may also need to factor in closing costs and any required down payment. It is essential to have a clear understanding of the payment requirements, including the interest-only payment options during the construction period and the transition to regular mortgage payments once the construction is complete.<\/p>\n<p>Overall, applying for a construction home loan involves careful planning, thorough documentation, and attention to detail. By working closely with an experienced loan officer and providing all required information, borrowers can navigate the loan process smoothly and secure the financing they need to bring their dream home to life.<\/p>\n<h3>Credit Score Requirements<\/h3>\n<p>When applying for a construction loan, credit score requirements play a crucial role in determining eligibility. Lenders typically evaluate credit scores to assess the borrower&#8217;s creditworthiness and ability to handle the financial responsibility of a construction project.<\/p>\n<p>The minimum credit score needed to qualify for a construction loan will vary among lenders. However, most lenders will require a credit score of at least 680 or higher. This demonstrates a solid credit history and increases the chances of loan approval.<\/p>\n<p>It is important to note that the credit score requirements for construction loans can vary depending on the lender and the specific loan program. Some lenders may have more lenient credit score requirements, while others may require a higher minimum credit score.<\/p>\n<p>For borrowers with lower credit scores who still wish to pursue a construction loan, there are lenders who specialize in offering construction loans to individuals with less-than-perfect credit. These lenders may be more flexible and offer loan programs specifically tailored to meet the needs of borrowers with lower credit scores. Consulting with these specialized lenders can provide more options for those with credit scores below the average requirement.<\/p>\n<p>In conclusion, while a credit score of 680 or higher is typically necessary to qualify for a construction loan, it is essential to explore lenders who offer construction loans for lower credit scores to increase the chances of approval.<\/p>\n<h3>Income Ratio Requirements<\/h3>\n<p>When applying for a construction home loan, lenders typically have income ratio requirements that need to be met. These requirements help lenders assess the borrower&#8217;s ability to repay the loan.<\/p>\n<p>The income ratio is calculated by dividing the borrower&#8217;s total monthly debt payments by their monthly income. This provides lenders with an understanding of the borrower&#8217;s debt-to-income ratio, which is an important factor in determining loan eligibility.<\/p>\n<p>On average, lenders typically require a debt-to-income ratio of no more than 45%. This means that the borrower&#8217;s total monthly debt payments, including the mortgage payment, should not exceed 45% of their monthly income.<\/p>\n<p>Having a stable income is crucial when applying for a construction home loan. Lenders want to ensure that borrowers have a steady source of income to make their monthly payments. Additionally, having a low debt-to-income ratio demonstrates that the borrower has enough income to cover their existing debts and the additional mortgage payment.<\/p>\n<p>It is important for borrowers to carefully review their financial situation and ensure that they meet the income ratio requirements before applying for a construction home loan. This will increase their chances of loan approval and help them secure the necessary financing for their construction project.<\/p>\n<h3>Documentation Needed to Apply for a Construction Loan<\/h3>\n<p>When applying for a construction loan, there are several important documents that you will need to provide to the lender. These documents are necessary for the lender to assess the feasibility and viability of your construction project.<\/p>\n<p>First and foremost, you will need to submit detailed architectural plans and drawings of the proposed construction. These plans should include the design and layout of the structure, as well as any landscaping or exterior features. The lender will review these plans to ensure that they meet building code requirements and comply with all necessary regulations.<\/p>\n<p>In addition to the architectural plans, you will also need to provide builder&#8217;s certifications. These certifications verify that the builder or contractor has the necessary qualifications and experience to complete the construction project. This helps to ensure that the work will be done professionally and up to standard.<\/p>\n<p>Building code compliance is another crucial aspect of documentation for a construction loan. You will need to provide evidence that your construction plans meet all relevant building codes and regulations. This can include certificates of compliance, inspections reports, and permits.<\/p>\n<p>A detailed construction budget is also required when applying for a construction loan. This budget outlines all the expected costs associated with the project, including materials, labor, and any additional expenses. The lender needs this information to assess the feasibility of the project and determine the appropriate loan amount.<\/p>\n<p>A schedule for periodic inspections is typically required. This schedule outlines when inspections will be conducted throughout the construction process to ensure that the work is progressing as planned and meets the necessary standards.<\/p>\n<p>In summary, the documentation needed to apply for a construction loan includes architectural plans and drawings, builder&#8217;s certifications, building code compliance documentation, a detailed construction budget, and a schedule for periodic inspections. Providing these documents helps the lender evaluate the project and determine the loan amount.<\/p>\n<h2>Finding a Lender and Choosing the Right Type of Loan<\/h2>\n<p>When embarking on a construction project, one of the first steps is finding a lender and choosing the right type of loan for your needs. This process involves careful consideration of various factors to ensure that you secure the financing that best fits your requirements.<\/p>\n<p>Firstly, it is crucial to assess your construction loan needs. This includes evaluating your savings for a down payment, your credit score, and the desired loan amount. These factors will influence the type of loan you can qualify for and the terms and conditions that you can expect.<\/p>\n<p>Next, it&#8217;s important to research and compare different lenders. Look for lenders who specialize in construction loans and offer the types of loans that meet your specific needs. Consider their interest rates, as well as any closing costs or fees associated with the loan. It&#8217;s also essential to consider their payment options, such as monthly payments or interest-only payment options.<\/p>\n<p>Take into account the types of construction loans they offer. Some common options include construction-to-permanent loans, construction-only loans, and renovation loans. Each type has its own requirements and benefits, so choose the option that aligns with your project goals and financial situation.<\/p>\n<p>In conclusion, when looking for a lender and choosing the right type of loan for construction home loans, carefully assess your needs, research and compare lenders, consider loan types and interest rates, and evaluate payment options. Taking the time to do thorough research will help ensure you secure the financing that best suits your construction project.<\/p>\n<h2>Understanding Different Types of Construction Home Loans<\/h2>\n<p>When it comes to financing a construction project for your dream home, understanding the different types of construction home loans is essential. These loans offer the necessary funds to cover the costs of building or renovating a residential property. Depending on your specific needs and financial situation, you have various options to choose from, including construction-to-permanent loans, construction-only loans, and renovation loans. Each type has its own requirements, benefits, and payment options, so it&#8217;s crucial to carefully consider which loan aligns with your project goals and financial capabilities. By understanding these different types of construction home loans, you can make an informed decision and secure the financing you need for a successful construction project.<\/p>\n<h3>Traditional Mortgages<\/h3>\n<p>Traditional mortgages are long-term loans typically lasting 15-30 years, designed for individuals purchasing an already-built residential property. Unlike construction loans, which are short-term loans usually no longer than a year, traditional mortgages provide borrowers with a one-time lump sum payment to purchase the property.<\/p>\n<p>With a traditional mortgage, borrowers make immediate principal and interest payments from the start of the loan term. These mortgages offer stability and predictability, allowing homeowners to plan their monthly budgets around fixed mortgage payments. Additionally, traditional mortgages are often available at competitive interest rates.<\/p>\n<p>While traditional mortgages are suitable for purchasing move-in ready homes, construction loans are specifically designed for financing the construction of a new home or significant renovations. During the construction period, borrowers typically make interest-only payments on their construction loans, which helps manage cash flow during this stage. Once the construction phase is complete, construction loans can be converted into permanent mortgages or paid off with long-term financing.<\/p>\n<p>In summary, traditional mortgages are long-term loans with a one-time lump sum payment, whereas construction loans are designed for shorter-term financing during the construction phase. Both options provide different benefits depending on the borrower&#8217;s needs and stage of the property purchase or renovation process.[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1782997299001{padding-top: 80px !important;padding-bottom: 50px !important;}&#8221; vonk_bg_color=&#8221;#fbfaf7&#8243;][vc_column]<style>.vonk_6a688335859ef{color:var(--vonk-accent);font-size:16px;font-weight:600;text-transform:uppercase;line-height:1.3;}<\/style><div class=\"vonk-heading vonk-heading-plain vonk-text-2xl vonk-text-left vonk_6a688335859ef\"><span class=\"vonk-heading-inner vonk-inline-block\">- Client Resources<\/span><\/div><div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:20px;\"><\/div><style>.vonk_6a68833585ba1{font-size:35px;font-weight:600;}<\/style><div class=\"vonk-heading vonk-heading-plain vonk-text-2xl vonk_6a68833585ba1\"><span class=\"vonk-heading-inner vonk-inline-block\">Everything you need, in one place.<\/span><\/div><div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:20px;\"><\/div>[vc_column_text align=&#8221;left&#8221; css=&#8221;&#8221; text_align=&#8221;left&#8221; width=&#8221;600&#8243; line_height=&#8221;1.5&#8243; font_size=&#8221;16&#8243;]Explore our calculators, loan programs, and insights \u2014 then request a free consultation whenever you&#8217;re ready.[\/vc_column_text]<style>.vonk_6a68833585c9a{gap:30px;}<\/style><div class=\"vonk-grid-container vonk-grid vonk-gap-20 vonk-grid-cols-1 vonk-sm-grid-cols-2 vonk-lg-grid-cols-4 vc_custom_1782309571634 vonk_6a68833585c9a\"><style>.vonk_6a68833585fcd{background:#ffffff;padding-block:30px;padding-inline:30px;border-radius:12px;}.vonk_6a68833585fcd:hover{background:var(--vonk-accent);}.vonk_6a68833585fcd .vonk-icon-box-content{font-size:14px;}.vonk_6a68833585fcd .vonk-icon-box-heading{color:var(--vonk-accent);font-size:18px;font-weight:600;}.vonk_6a68833585fcd 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28.7 64 64 64H320c35.3 0 64-28.7 64-64V64c0-35.3-28.7-64-64-64H64zM96 64H288c17.7 0 32 14.3 32 32v32c0 17.7-14.3 32-32 32H96c-17.7 0-32-14.3-32-32V96c0-17.7 14.3-32 32-32zm32 160a32 32 0 1 1 -64 0 32 32 0 1 1 64 0zM96 352a32 32 0 1 1 0-64 32 32 0 1 1 0 64zM64 416c0-17.7 14.3-32 32-32h96c17.7 0 32 14.3 32 32s-14.3 32-32 32H96c-17.7 0-32-14.3-32-32zM192 256a32 32 0 1 1 0-64 32 32 0 1 1 0 64zm32 64a32 32 0 1 1 -64 0 32 32 0 1 1 64 0zm64-64a32 32 0 1 1 0-64 32 32 0 1 1 0 64zm32 64a32 32 0 1 1 -64 0 32 32 0 1 1 64 0zM288 448a32 32 0 1 1 0-64 32 32 0 1 1 0 64z\"\/><\/svg><\/span><\/div><\/div><div class=\"vonk-icon-box-text vonk-flex-grow vonk-flex vonk-flex-col\"><div class=\"vonk-icon-box-heading vonk-heading vonk-mb-10\">Mortgage Calculator<\/div><div class=\"vonk-icon-box-content vonk-last-mb-0 vonk-clr vonk-mb-20\"><p>Run different scenarios &#8211; purchase, refi, rent vs. buy, VA and more&#8230;<\/p>\n<\/div><div class=\"vonk-icon-box-button-wrap vonk-mt-auto\"><span class=\"vonk-icon-box-button theme-txt-link\">Open Calculators<\/span><\/div><\/div><\/a><style>.vonk_6a6883358670a{background:#ffffff;padding-block:30px;padding-inline:30px;border-radius:12px;}.vonk_6a6883358670a:hover{background:var(--vonk-accent);}.vonk_6a6883358670a .vonk-icon-box-content{font-size:14px;}.vonk_6a6883358670a .vonk-icon-box-heading{color:var(--vonk-accent);font-size:18px;font-weight:600;}.vonk_6a6883358670a .vonk-icon-box-icon{font-size:20px;color:var(--vonk-accent);background:#f6f6f6;border-radius:15px;height:50px;width:50px;}.vonk_6a6883358670a:hover .vonk-icon-box-icon{background:#808080;}.vonk_6a6883358670a .vonk-icon-box-button{font-size:14px;color:var(--vonk-accent);}<\/style><a class=\"vonk-icon-box vonk-icon-box-two vonk-icon-box-hover-text-white vonk-icon-box-has-link vonk-inherit-color vonk-no-underline vonk-flex vonk-flex-col vonk-shadow-2xl vonk-text-left hvr hvr-float vc_custom_1782997259462 vonk_6a6883358670a\" href=\"\/blog\/\" title=\"Mortgage Insights\"><div class=\"vonk-icon-box-symbol vonk-icon-box-symbol--icon vonk-mb-20\"><div class=\"vonk-icon-box-icon vonk-items-center vonk-justify-center vonk-child-inherit-color vonk-text-center vonk-leading-none vonk-inline-flex vonk-text-1\"><span class=\"vonk-flex vonk-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 384 512\"><path d=\"M0 48C0 21.5 21.5 0 48 0l0 48V441.4l130.1-92.9c8.3-6 19.6-6 27.9 0L336 441.4V48H48V0H336c26.5 0 48 21.5 48 48V488c0 9-5 17.2-13 21.3s-17.6 3.4-24.9-1.8L192 397.5 37.9 507.5c-7.3 5.2-16.9 5.9-24.9 1.8S0 497 0 488V48z\"\/><\/svg><\/span><\/div><\/div><div class=\"vonk-icon-box-text vonk-flex-grow vonk-flex vonk-flex-col\"><div class=\"vonk-icon-box-heading vonk-heading vonk-mb-10\">Mortgage Insights<\/div><div class=\"vonk-icon-box-content vonk-last-mb-0 vonk-clr vonk-mb-20\"><p>All things mortgage: insights, trends, and resources from our team.<\/p>\n<\/div><div class=\"vonk-icon-box-button-wrap vonk-mt-auto\"><span class=\"vonk-icon-box-button theme-txt-link\">Read the blog<\/span><\/div><\/div><\/a><style>.vonk_6a68833586950{background:#ffffff;padding-block:30px;padding-inline:30px;border-radius:12px;}.vonk_6a68833586950:hover{background:var(--vonk-accent);}.vonk_6a68833586950 .vonk-icon-box-content{font-size:14px;}.vonk_6a68833586950 .vonk-icon-box-heading{color:var(--vonk-accent);font-size:18px;font-weight:600;}.vonk_6a68833586950 .vonk-icon-box-icon{font-size:20px;color:var(--vonk-accent);background:#f6f6f6;border-radius:15px;height:50px;width:50px;}.vonk_6a68833586950:hover .vonk-icon-box-icon{background:#808080;}.vonk_6a68833586950 .vonk-icon-box-button{font-size:14px;color:var(--vonk-accent);}<\/style><a class=\"vonk-icon-box vonk-icon-box-two vonk-icon-box-hover-text-white vonk-icon-box-has-link vonk-inherit-color vonk-no-underline vonk-flex vonk-flex-col vonk-shadow-2xl vonk-text-left hvr hvr-float vc_custom_1782997264340 vonk_6a68833586950\" href=\"\/loan-options\/\" title=\"Loan Programs\"><div class=\"vonk-icon-box-symbol vonk-icon-box-symbol--icon vonk-mb-20\"><div class=\"vonk-icon-box-icon vonk-items-center vonk-justify-center vonk-child-inherit-color vonk-text-center vonk-leading-none vonk-inline-flex vonk-text-1\"><span class=\"vonk-flex vonk-icon vonk-icon--bidi\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M288 64c0 17.7-14.3 32-32 32H32C14.3 96 0 81.7 0 64S14.3 32 32 32H256c17.7 0 32 14.3 32 32zm0 256c0 17.7-14.3 32-32 32H32c-17.7 0-32-14.3-32-32s14.3-32 32-32H256c17.7 0 32 14.3 32 32zM0 192c0-17.7 14.3-32 32-32H416c17.7 0 32 14.3 32 32s-14.3 32-32 32H32c-17.7 0-32-14.3-32-32zM448 448c0 17.7-14.3 32-32 32H32c-17.7 0-32-14.3-32-32s14.3-32 32-32H416c17.7 0 32 14.3 32 32z\"\/><\/svg><\/span><\/div><\/div><div class=\"vonk-icon-box-text vonk-flex-grow vonk-flex vonk-flex-col\"><div class=\"vonk-icon-box-heading vonk-heading vonk-mb-10\">Loan Programs<\/div><div class=\"vonk-icon-box-content vonk-last-mb-0 vonk-clr vonk-mb-20\"><p>Familiarize yourself with the loan programs we offer and who they fit.<\/p>\n<\/div><div class=\"vonk-icon-box-button-wrap vonk-mt-auto\"><span class=\"vonk-icon-box-button theme-txt-link\">View loan options<\/span><\/div><\/div><\/a><style>.vonk_6a68833586b60{background:#ffffff;padding-block:30px;padding-inline:30px;border-radius:12px;}.vonk_6a68833586b60:hover{background:var(--vonk-accent);}.vonk_6a68833586b60 .vonk-icon-box-content{font-size:14px;}.vonk_6a68833586b60 .vonk-icon-box-heading{color:var(--vonk-accent);font-size:18px;font-weight:600;}.vonk_6a68833586b60 .vonk-icon-box-icon{font-size:20px;color:var(--vonk-accent);background:#f6f6f6;border-radius:15px;height:50px;width:50px;}.vonk_6a68833586b60:hover .vonk-icon-box-icon{background:#808080;}.vonk_6a68833586b60 .vonk-icon-box-button{font-size:14px;color:var(--vonk-accent);}<\/style><a class=\"vonk-icon-box vonk-icon-box-two vonk-icon-box-hover-text-white vonk-icon-box-has-link vonk-inherit-color vonk-no-underline vonk-flex vonk-flex-col vonk-shadow-2xl vonk-text-left hvr hvr-float vc_custom_1782997271454 vonk_6a68833586b60\" href=\"https:\/\/answerhomelending.my1003app.com\/240070\/register\" title=\"Start Application\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"vonk-icon-box-symbol vonk-icon-box-symbol--icon vonk-mb-20\"><div class=\"vonk-icon-box-icon vonk-items-center vonk-justify-center vonk-child-inherit-color vonk-text-center vonk-leading-none vonk-inline-flex vonk-text-1\"><span class=\"vonk-flex vonk-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M288 32c0-17.7-14.3-32-32-32s-32 14.3-32 32V274.7l-73.4-73.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l128 128c12.5 12.5 32.8 12.5 45.3 0l128-128c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L288 274.7V32zM64 352c-35.3 0-64 28.7-64 64v32c0 35.3 28.7 64 64 64H448c35.3 0 64-28.7 64-64V416c0-35.3-28.7-64-64-64H346.5l-45.3 45.3c-25 25-65.5 25-90.5 0L165.5 352H64zm368 56a24 24 0 1 1 0 48 24 24 0 1 1 0-48z\"\/><\/svg><\/span><\/div><\/div><div class=\"vonk-icon-box-text vonk-flex-grow vonk-flex vonk-flex-col\"><div class=\"vonk-icon-box-heading vonk-heading vonk-mb-10\">Start Application<\/div><div class=\"vonk-icon-box-content vonk-last-mb-0 vonk-clr vonk-mb-20\"><p>Begin your secure mortgage application online today &#8211; at your pace.<\/p>\n<\/div><div class=\"vonk-icon-box-button-wrap vonk-mt-auto\"><span class=\"vonk-icon-box-button theme-txt-link\">Apply online<\/span><\/div><\/div><\/a><\/div><div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:50px;\"><\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; el_class=&#8221;hero-section&#8221; css=&#8221;.vc_custom_1782996941896{padding-top: 80px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; el_id=&#8221;quote&#8221;][vc_column]<style>.vonk_6a68833586d6d{color:var(--vonk-accent);font-size:16px;font-weight:600;text-transform:uppercase;line-height:1.3;}<\/style><div class=\"vonk-heading vonk-heading-plain vonk-text-2xl vonk-text-center vonk_6a68833586d6d\"><span class=\"vonk-heading-inner vonk-inline-block\">- Quick 1-minute loan request<\/span><\/div><div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:20px;\"><\/div><style>.vonk_6a68833586ec9{font-size:35px;font-weight:600;}<\/style><div class=\"vonk-heading vonk-heading-plain vonk-text-2xl vonk-text-center vonk_6a68833586ec9\"><span class=\"vonk-heading-inner vonk-inline-block\">Let's start with where you are<\/span><\/div><div class=\"vonk-spacing vonk-w-100 vonk-clear\"><\/div>[vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;]<style id=\"wpforms-css-vars-6436\">\n\t\t\t\t#wpforms-6436 {\n\t\t\t\t--wpforms-field-size-input-height: 43px;\n--wpforms-field-size-input-spacing: 15px;\n--wpforms-field-size-font-size: 16px;\n--wpforms-field-size-line-height: 19px;\n--wpforms-field-size-padding-h: 14px;\n--wpforms-field-size-checkbox-size: 16px;\n--wpforms-field-size-sublabel-spacing: 5px;\n--wpforms-field-size-icon-size: 1;\n--wpforms-label-size-font-size: 16px;\n--wpforms-label-size-line-height: 19px;\n--wpforms-label-size-sublabel-font-size: 14px;\n--wpforms-label-size-sublabel-line-height: 17px;\n--wpforms-button-size-font-size: 17px;\n--wpforms-button-size-height: 41px;\n--wpforms-button-size-padding-h: 15px;\n--wpforms-button-size-margin-top: 10px;\n--wpforms-container-shadow-size-box-shadow: none;\n\t\t\t}\n\t\t\t<\/style><div class=\"wpforms-container wpforms-container-full vdwpfe-auto-advance online-mortgage-form wpforms-render-modern\" id=\"wpforms-6436\"><form id=\"wpforms-form-6436\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"6436\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/~michaelgallaghe\/wp-json\/wp\/v2\/pages\/4695\" data-token=\"27cb7b91b5a806e05068f88adf828c3e\" data-token-time=\"1785234229\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div id=\"wpforms-error-noscript\" style=\"display: none;\">Please enable JavaScript in your browser to complete this form.<\/div><div class=\"wpforms-page-indicator progress\" data-indicator=\"progress\" data-indicator-color=\"#3e7666\" data-scroll=\"1\" role=\"progressbar\" aria-valuenow=\"1\" aria-valuemin=\"1\" aria-valuemax=\"11\" tabindex=\"-1\"><span class=\"wpforms-page-indicator-page-title\" ><\/span><span class=\"wpforms-page-indicator-page-title-sep\" style=\"display:none;\"> - <\/span><span class=\"wpforms-page-indicator-steps\">Step <span class=\"wpforms-page-indicator-steps-current\">1<\/span> of 11<\/span><div class=\"wpforms-page-indicator-page-progress-wrap\"><div class=\"wpforms-page-indicator-page-progress\" style=\"width:9.0909090909091%;background-color:#3e7666\"><\/div><\/div><\/div><div class=\"wpforms-field-container\"><div class=\"wpforms-page wpforms-page-1 \" data-page=\"1\"><div id=\"wpforms-6436-field_8-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"8\"><\/div><div id=\"wpforms-6436-field_62-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"62\"><div id=\"wpforms-6436-field_62\" aria-errormessage=\"wpforms-6436-field_62-error\">What type of property are you financing?<\/div><\/div><div id=\"wpforms-6436-field_14-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline\" data-field-type=\"radio\" data-field-id=\"14\"><fieldset><legend class=\"wpforms-field-label\">What type of property are you financing?<\/legend><ul id=\"wpforms-6436-field_14\" class=\"wpforms-icon-choices wpforms-icon-choices-default wpforms-icon-choices-large\" style=\"--wpforms-icon-choices-color: #066aab;\"><li class=\"choice-1 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_14_1\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 576 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M575.8 255.5c0 18-15 32.1-32 32.1h-32l.7 160.2c0 2.7-.2 5.4-.5 8.1V472c0 22.1-17.9 40-40 40H456c-1.1 0-2.2 0-3.3-.1c-1.4 .1-2.8 .1-4.2 .1H416 392c-22.1 0-40-17.9-40-40V448 384c0-17.7-14.3-32-32-32H256c-17.7 0-32 14.3-32 32v64 24c0 22.1-17.9 40-40 40H160 128.1c-1.5 0-3-.1-4.5-.2c-1.2 .1-2.4 .2-3.6 .2H104c-22.1 0-40-17.9-40-40V360c0-.9 0-1.9 .1-2.8V287.6H32c-18 0-32-14-32-32.1c0-9 3-17 10-24L266.4 8c7-7 15-8 22-8s15 2 21 7L564.8 231.5c8 7 12 15 11 24z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-6436-field_14_1\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][14]\" value=\"Single Family\" aria-errormessage=\"wpforms-6436-field_14_1-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Single Family<\/span>\n\t\t\t<\/label><\/li><li class=\"choice-4 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_14_4\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 640 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M335.5 4l288 160c15.4 8.6 21 28.1 12.4 43.5s-28.1 21-43.5 12.4L320 68.6 47.5 220c-15.4 8.6-34.9 3-43.5-12.4s-3-34.9 12.4-43.5L304.5 4c9.7-5.4 21.4-5.4 31.1 0zM320 160a40 40 0 1 1 0 80 40 40 0 1 1 0-80zM144 256a40 40 0 1 1 0 80 40 40 0 1 1 0-80zm312 40a40 40 0 1 1 80 0 40 40 0 1 1 -80 0zM226.9 491.4L200 441.5V480c0 17.7-14.3 32-32 32H120c-17.7 0-32-14.3-32-32V441.5L61.1 491.4c-6.3 11.7-20.8 16-32.5 9.8s-16-20.8-9.8-32.5l37.9-70.3c15.3-28.5 45.1-46.3 77.5-46.3h19.5c16.3 0 31.9 4.5 45.4 12.6l33.6-62.3c15.3-28.5 45.1-46.3 77.5-46.3h19.5c32.4 0 62.1 17.8 77.5 46.3l33.6 62.3c13.5-8.1 29.1-12.6 45.4-12.6h19.5c32.4 0 62.1 17.8 77.5 46.3l37.9 70.3c6.3 11.7 1.9 26.2-9.8 32.5s-26.2 1.9-32.5-9.8L552 441.5V480c0 17.7-14.3 32-32 32H472c-17.7 0-32-14.3-32-32V441.5l-26.9 49.9c-6.3 11.7-20.8 16-32.5 9.8s-16-20.8-9.8-32.5l36.3-67.5c-1.7-1.7-3.2-3.6-4.3-5.8L376 345.5V400c0 17.7-14.3 32-32 32H296c-17.7 0-32-14.3-32-32V345.5l-26.9 49.9c-1.2 2.2-2.6 4.1-4.3 5.8l36.3 67.5c6.3 11.7 1.9 26.2-9.8 32.5s-26.2 1.9-32.5-9.8z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-6436-field_14_4\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][14]\" value=\"Multi-Family\" aria-errormessage=\"wpforms-6436-field_14_4-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Multi-Family<\/span>\n\t\t\t<\/label><\/li><li class=\"choice-2 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_14_2\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 384 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M64 48c-8.8 0-16 7.2-16 16V448c0 8.8 7.2 16 16 16h80V400c0-26.5 21.5-48 48-48s48 21.5 48 48v64h80c8.8 0 16-7.2 16-16V64c0-8.8-7.2-16-16-16H64zM0 64C0 28.7 28.7 0 64 0H320c35.3 0 64 28.7 64 64V448c0 35.3-28.7 64-64 64H64c-35.3 0-64-28.7-64-64V64zm88 40c0-8.8 7.2-16 16-16h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H104c-8.8 0-16-7.2-16-16V104zM232 88h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H232c-8.8 0-16-7.2-16-16V104c0-8.8 7.2-16 16-16zM88 232c0-8.8 7.2-16 16-16h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H104c-8.8 0-16-7.2-16-16V232zm144-16h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H232c-8.8 0-16-7.2-16-16V232c0-8.8 7.2-16 16-16z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-6436-field_14_2\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][14]\" value=\"Commercial\" aria-errormessage=\"wpforms-6436-field_14_2-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Commercial<\/span>\n\t\t\t<\/label><\/li><li class=\"choice-3 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_14_3\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 448 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M210.6 5.9L62 169.4c-3.9 4.2-6 9.8-6 15.5C56 197.7 66.3 208 79.1 208H104L30.6 281.4c-4.2 4.2-6.6 10-6.6 16C24 309.9 34.1 320 46.6 320H80L5.4 409.5C1.9 413.7 0 419 0 424.5c0 13 10.5 23.5 23.5 23.5H192v32c0 17.7 14.3 32 32 32s32-14.3 32-32V448H424.5c13 0 23.5-10.5 23.5-23.5c0-5.5-1.9-10.8-5.4-15L368 320h33.4c12.5 0 22.6-10.1 22.6-22.6c0-6-2.4-11.8-6.6-16L344 208h24.9c12.7 0 23.1-10.3 23.1-23.1c0-5.7-2.1-11.3-6-15.5L237.4 5.9C234 2.1 229.1 0 224 0s-10 2.1-13.4 5.9z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-6436-field_14_3\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][14]\" value=\"Land\" aria-errormessage=\"wpforms-6436-field_14_3-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Land<\/span>\n\t\t\t<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-6436-field_7-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"7\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"1\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-2  \" data-page=\"2\" style=\"display:none;\"><div id=\"wpforms-6436-field_12-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"12\"><div id=\"wpforms-6436-field_12\" aria-errormessage=\"wpforms-6436-field_12-error\">Where is the property located?\r\n<small>City, Zip Code or Address<\/small><\/div><\/div><div id=\"wpforms-6436-field_1-container\" class=\"wpforms-field wpforms-field-text\" data-field-type=\"text\" data-field-id=\"1\"><label class=\"wpforms-field-label\" for=\"wpforms-6436-field_1\">City, Zip Code, or Address <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"text\" id=\"wpforms-6436-field_1\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][1]\" aria-errormessage=\"wpforms-6436-field_1-error\" required><\/div><div id=\"wpforms-6436-field_13-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"13\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"2\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"2\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-3  \" data-page=\"3\" style=\"display:none;\"><div id=\"wpforms-6436-field_63-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"63\"><fieldset><legend class=\"wpforms-field-label\">Is this a purchase or refiance?<\/legend><ul id=\"wpforms-6436-field_63\"><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-6436-field_63_5\" name=\"wpforms[fields][63]\" value=\"Purchase\" aria-errormessage=\"wpforms-6436-field_63_5-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_63_5\">Purchase<\/label><\/li><li class=\"choice-6 depth-1\"><input type=\"radio\" id=\"wpforms-6436-field_63_6\" name=\"wpforms[fields][63]\" value=\"Refinance\" aria-errormessage=\"wpforms-6436-field_63_6-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_63_6\">Refinance<\/label><\/li><li class=\"choice-7 depth-1\"><input type=\"radio\" id=\"wpforms-6436-field_63_7\" name=\"wpforms[fields][63]\" value=\"Cash-out refinance\" aria-errormessage=\"wpforms-6436-field_63_7-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_63_7\">Cash-out refinance<\/label><\/li><li class=\"choice-8 depth-1\"><input type=\"radio\" id=\"wpforms-6436-field_63_8\" name=\"wpforms[fields][63]\" value=\"Other\" aria-errormessage=\"wpforms-6436-field_63_8-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_63_8\">Other<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-6436-field_15-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"15\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"3\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"3\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-4  \" data-page=\"4\" style=\"display:none;\"><div id=\"wpforms-6436-field_60-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"60\"><fieldset><legend class=\"wpforms-field-label\">When do you need funding?<\/legend><ul id=\"wpforms-6436-field_60\"><li class=\"choice-15 depth-1\"><input type=\"radio\" id=\"wpforms-6436-field_60_15\" name=\"wpforms[fields][60]\" value=\"Just researching\" aria-errormessage=\"wpforms-6436-field_60_15-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_60_15\">Just researching<\/label><\/li><li class=\"choice-16 depth-1\"><input type=\"radio\" id=\"wpforms-6436-field_60_16\" name=\"wpforms[fields][60]\" value=\"Within 1 week\" aria-errormessage=\"wpforms-6436-field_60_16-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_60_16\">Within 1 week<\/label><\/li><li class=\"choice-17 depth-1\"><input type=\"radio\" id=\"wpforms-6436-field_60_17\" name=\"wpforms[fields][60]\" value=\"2\u20133 weeks\" aria-errormessage=\"wpforms-6436-field_60_17-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_60_17\">2\u20133 weeks<\/label><\/li><li class=\"choice-18 depth-1\"><input type=\"radio\" id=\"wpforms-6436-field_60_18\" name=\"wpforms[fields][60]\" value=\"1-2 months\" aria-errormessage=\"wpforms-6436-field_60_18-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_60_18\">1-2 months<\/label><\/li><li class=\"choice-19 depth-1\"><input type=\"radio\" id=\"wpforms-6436-field_60_19\" name=\"wpforms[fields][60]\" value=\"3-6 months\" aria-errormessage=\"wpforms-6436-field_60_19-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_60_19\">3-6 months<\/label><\/li><li class=\"choice-20 depth-1\"><input type=\"radio\" id=\"wpforms-6436-field_60_20\" name=\"wpforms[fields][60]\" value=\"6 months+\" aria-errormessage=\"wpforms-6436-field_60_20-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_60_20\">6 months+<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-6436-field_70-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"70\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"4\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"4\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-5  \" data-page=\"5\" style=\"display:none;\"><div id=\"wpforms-6436-field_69-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"69\"><fieldset><legend class=\"wpforms-field-label\">Have you completed a real estate investment project before?<\/legend><ul id=\"wpforms-6436-field_69\"><li class=\"choice-15 depth-1\"><input type=\"radio\" id=\"wpforms-6436-field_69_15\" name=\"wpforms[fields][69]\" value=\"No, I am a new investor\" aria-errormessage=\"wpforms-6436-field_69_15-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_69_15\">No, I am a new investor<\/label><\/li><li class=\"choice-16 depth-1\"><input type=\"radio\" id=\"wpforms-6436-field_69_16\" name=\"wpforms[fields][69]\" value=\"Yes (1-3 completed)\" aria-errormessage=\"wpforms-6436-field_69_16-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_69_16\">Yes (1-3 completed)<\/label><\/li><li class=\"choice-17 depth-1\"><input type=\"radio\" id=\"wpforms-6436-field_69_17\" name=\"wpforms[fields][69]\" value=\"I&#039;m Experienced (4-10 completed)\" aria-errormessage=\"wpforms-6436-field_69_17-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_69_17\">I'm Experienced (4-10 completed)<\/label><\/li><li class=\"choice-18 depth-1\"><input type=\"radio\" id=\"wpforms-6436-field_69_18\" name=\"wpforms[fields][69]\" value=\"Professional (10+ completed)\" aria-errormessage=\"wpforms-6436-field_69_18-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-6436-field_69_18\">Professional (10+ completed)<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-6436-field_61-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"61\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"5\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"5\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-6  \" data-page=\"6\" style=\"display:none;\"><div id=\"wpforms-6436-field_30-container\" class=\"wpforms-field wpforms-field-number-slider\" data-field-type=\"number-slider\" data-field-id=\"30\"><label class=\"wpforms-field-label\" for=\"wpforms-6436-field_30\">Estimated purchase price or current value<\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-6436-field_30\" class=\"wpforms-field-medium\" name=\"wpforms[fields][30]\" value=\"0\" aria-errormessage=\"wpforms-6436-field_30-error\" aria-describedby=\"wpforms-6436-field_30-description\"\t\tmin=\"0\"\n\tmax=\"2000000\"\n\tstep=\"10000\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"Selected Value: ${value}\">\n\tSelected Value: $<b>0<\/b><\/div>\n<div id=\"wpforms-6436-field_30-description\" class=\"wpforms-field-description\">Use the slider to select the estimated price or value of the property (it's OK to estimate)<\/div><\/div><div id=\"wpforms-6436-field_31-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"31\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"6\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"6\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-7  \" data-page=\"7\" style=\"display:none;\"><div id=\"wpforms-6436-field_34-container\" class=\"wpforms-field wpforms-field-number-slider\" data-field-type=\"number-slider\" data-field-id=\"34\"><label class=\"wpforms-field-label\" for=\"wpforms-6436-field_34\">Estimated rehab or construction budget (if applicable)?<\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-6436-field_34\" class=\"wpforms-field-medium\" name=\"wpforms[fields][34]\" value=\"0\" aria-errormessage=\"wpforms-6436-field_34-error\" aria-describedby=\"wpforms-6436-field_34-description\"\t\tmin=\"0\"\n\tmax=\"2000000\"\n\tstep=\"5000\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"Selected Value: ${value}\">\n\tSelected Value: $<b>0<\/b><\/div>\n<div id=\"wpforms-6436-field_34-description\" class=\"wpforms-field-description\">(It's OK to estimate)<\/div><\/div><div id=\"wpforms-6436-field_65-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"65\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"7\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"7\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-8  \" data-page=\"8\" style=\"display:none;\"><div id=\"wpforms-6436-field_64-container\" class=\"wpforms-field wpforms-field-number-slider\" data-field-type=\"number-slider\" data-field-id=\"64\"><label class=\"wpforms-field-label\" for=\"wpforms-6436-field_64\">Estimated ARV (after repair value)?<\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-6436-field_64\" class=\"wpforms-field-medium\" name=\"wpforms[fields][64]\" value=\"0\" aria-errormessage=\"wpforms-6436-field_64-error\" aria-describedby=\"wpforms-6436-field_64-description\"\t\tmin=\"0\"\n\tmax=\"2000000\"\n\tstep=\"5000\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"Selected Value: ${value}\">\n\tSelected Value: $<b>0<\/b><\/div>\n<div id=\"wpforms-6436-field_64-description\" class=\"wpforms-field-description\">(It's OK to estimate)<\/div><\/div><div id=\"wpforms-6436-field_68-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"68\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"8\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"8\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-9  \" data-page=\"9\" style=\"display:none;\"><div id=\"wpforms-6436-field_66-container\" class=\"wpforms-field wpforms-field-number-slider\" data-field-type=\"number-slider\" data-field-id=\"66\"><label class=\"wpforms-field-label\" for=\"wpforms-6436-field_66\">How much are you looking to borrow?<\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-6436-field_66\" class=\"wpforms-field-medium\" name=\"wpforms[fields][66]\" value=\"0\" aria-errormessage=\"wpforms-6436-field_66-error\" aria-describedby=\"wpforms-6436-field_66-description\"\t\tmin=\"0\"\n\tmax=\"2000000\"\n\tstep=\"2500\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"Selected Value: ${value}\">\n\tSelected Value: $<b>0<\/b><\/div>\n<div id=\"wpforms-6436-field_66-description\" class=\"wpforms-field-description\">(It's OK to estimate)<\/div><\/div>\t\t<div id=\"wpforms-6436-field_2-container\"\n\t\t\tclass=\"wpforms-field wpforms-field-text\"\n\t\t\tdata-field-type=\"text\"\n\t\t\tdata-field-id=\"2\"\n\t\t\t>\n\t\t\t<label class=\"wpforms-field-label\" for=\"wpforms-6436-field_2\" >project is looking<\/label>\n\t\t\t<input type=\"text\" id=\"wpforms-6436-field_2\" class=\"wpforms-field-medium\" name=\"wpforms[fields][2]\" >\n\t\t<\/div>\n\t\t<div id=\"wpforms-6436-field_35-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"35\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"9\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"9\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-10  \" data-page=\"10\" style=\"display:none;\"><div id=\"wpforms-6436-field_50-container\" class=\"wpforms-field wpforms-field-text\" data-field-type=\"text\" data-field-id=\"50\"><label class=\"wpforms-field-label\" for=\"wpforms-6436-field_50\">What is your first name? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"text\" id=\"wpforms-6436-field_50\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][50]\" aria-errormessage=\"wpforms-6436-field_50-error\" required><\/div><div id=\"wpforms-6436-field_51-container\" class=\"wpforms-field wpforms-field-text\" data-field-type=\"text\" data-field-id=\"51\"><label class=\"wpforms-field-label\" for=\"wpforms-6436-field_51\">What is your last name? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"text\" id=\"wpforms-6436-field_51\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][51]\" aria-errormessage=\"wpforms-6436-field_51-error\" required><\/div><div id=\"wpforms-6436-field_52-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"52\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"10\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><\/span><span class=\"wpforms-page-button-group\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"10\" data-formid=\"6436\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-11 last \" data-page=\"11\" style=\"display:none;\"><div id=\"wpforms-6436-field_53-container\" class=\"wpforms-field wpforms-field-email\" data-field-type=\"email\" data-field-id=\"53\"><label class=\"wpforms-field-label\" 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See our <a href=\"\/privacy-policy\/\">Privacy Policy<\/a><\/font><\/div><\/fieldset><\/div><div id=\"wpforms-6436-field_9-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"9\"><\/div><\/div><script>\n\t\t\t\t( function() {\n\t\t\t\t\tconst style = document.createElement( 'style' );\n\t\t\t\t\tstyle.appendChild( document.createTextNode( '#wpforms-6436-field_2-container { position: absolute !important; overflow: hidden !important; display: inline !important; height: 1px !important; width: 1px !important; z-index: -1000 !important; padding: 0 !important; } #wpforms-6436-field_2-container input { visibility: hidden; } #wpforms-conversational-form-page #wpforms-6436-field_2-container label { counter-increment: none; }' ) );\n\t\t\t\t\tdocument.head.appendChild( style );\n\t\t\t\t\tdocument.currentScript?.remove();\n\t\t\t\t} )();\n\t\t\t<\/script><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" style=\"display:none;\"><input type=\"hidden\" name=\"wpforms[id]\" value=\"6436\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/pages\/4695\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-6436\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Submit\" aria-live=\"assertive\" value=\"wpforms-submit\">Submit<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-submit-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/div><\/form><\/div>  <!-- .wpforms-container -->[\/vc_column_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_section local_scroll_id=&#8221;Schema Markup&#8221; el_id=&#8221;Schema Markup&#8221;][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1782997193776{padding-top: 80px !important;padding-bottom: 60px !important;background-color: #FBFAF7 !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1760112295407{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 30px !important;padding-left: 15px !important;border-radius: 20px !important;}&#8221; width=&#8221;1000&#8243; font_size=&#8221;16&#8243; vonk_bg_color=&#8221;#ffffff&#8221;]<section class=\"vls-faqs\"><h3>Frequently Asked Questions<\/h3><div class=\"vls-faq-item\"><h4>What is a Construction Home Loan?<\/h4><p>A construction home loan is a short-term loan that provides financing to build a new home or make major renovations. The funds are typically released in stages, or \u201cdraws,\u201d as each phase of construction is completed.<\/p>\n<\/div><div class=\"vls-faq-item\"><h4>How does a construction-to-permanent loan work?<\/h4><p>A construction-to-permanent loan combines financing for the home\u2019s construction and its long-term mortgage into one loan. Once the build is finished, the loan converts into a standard mortgage, saving time and additional closing costs.<\/p>\n<\/div><div class=\"vls-faq-item\"><h4>What are the requirements for getting a construction loan?<\/h4><p>Lenders generally require detailed construction plans, a licensed builder, and a completed budget or cost breakdown. Strong credit, stable income, and a sufficient down payment are also important factors.<\/p>\n<\/div><div class=\"vls-faq-item\"><h4>Can I use a construction loan to build on land I already own?<\/h4><p>Yes. Many construction loans allow you to use equity in land you already own as part of your down payment or collateral for the loan.<\/p>\n<\/div><div class=\"vls-faq-item\"><h4>How are payments made during the construction phase?<\/h4><p>During construction, borrowers typically make interest-only payments on the amount drawn so far. Once the project is complete and the loan converts to permanent financing, regular principal and interest payments begin.<\/p>\n<\/div><\/section>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"vonk-shortcode vonk-clr\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FinancialProduct\",\"@id\":\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/#loan-construction-home-loan\",\"name\":\"Construction Home Loan\",\"description\":\"Mortgage program information for this page.\",\"category\":\"MortgageLoan\",\"provider\":{\"@type\":\"Organization\",\"name\":\"Mortgage Broker in Granite Bay, California | Michael Gallagher Mortgage\",\"url\":\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/\"},\"termsOfService\":\"\/terms-of-use\/\"},{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/#faq-loan-program\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is a Construction Home Loan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A construction home loan is a short-term loan that provides financing to build a new home or make major renovations. 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Strong credit, stable income, and a sufficient down payment are also important factors.\"}},{\"@type\":\"Question\",\"name\":\"Can I use a construction loan to build on land I already own?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Many construction loans allow you to use equity in land you already own as part of your down payment or collateral for the loan.\"}},{\"@type\":\"Question\",\"name\":\"How are payments made during the construction phase?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"During construction, borrowers typically make interest-only payments on the amount drawn so far. Once the project is complete and the loan converts to permanent financing, regular principal and interest payments begin.\"}}]}]}<\/script><\/div>[\/vc_column][\/vc_row][\/vc_section]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; column_spacing=&#8221;60&#8243; css=&#8221;.vc_custom_1782999340913{padding-top: 75px !important;background-color: #FBFAF7 !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text font_weight=&#8221;500&#8243; el_class=&#8221;wpex-antialiased&#8221;]Building a home is a big step. Our construction home loans are designed to support you at every stage of this exciting journey.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1756142048306{padding-top: 100px !important;padding-bottom: 80px !important;}&#8221; local_scroll_id=&#8221;learn&#8221; el_id=&#8221;learn&#8221;][vc_column][vc_column_text css=&#8221;&#8221; width=&#8221;1000&#8243;] What is a Construction Home Loan? A construction home loan, also&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":22,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_mbp_gutenberg_autopost":false,"footnotes":""},"class_list":["post-4695","page","type-page","status-publish","hentry","entry","no-media"],"_links":{"self":[{"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/pages\/4695","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/comments?post=4695"}],"version-history":[{"count":11,"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/pages\/4695\/revisions"}],"predecessor-version":[{"id":7619,"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/pages\/4695\/revisions\/7619"}],"up":[{"embeddable":true,"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/pages\/22"}],"wp:attachment":[{"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/media?parent=4695"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}