Brad the Construction Lender

We give our customers the confidence to move forward with their projects. We're here every step of the way.

[Brad the Construction Lender @BuildingLoanPro]

You’re asking yourself.

[Brad the Construction Lender @BuildingLoanPro]

Every builder will tell you they finish on time.
Ask them this instead:
"What has delayed your last 3 jobs — and how did you handle it?"
Weather. Permits. Subs who don't show. Material backorders.
A great builder has a real answer. A risky one gets defensive.
#CustomHomeBuilding #BuilderTips #ConstructionFinance

[Brad the Construction Lender @BuildingLoanPro]

Before you break ground, ask your builder two questions:
1️⃣ Can I see a line-item budget — and how are overruns handled? 2️⃣ Are your subs fully insured, or am I exposed if someone gets hurt on my job?
If they hesitate, that's your answer.
#CustomHomeBuying #BuilderQuestions #ConstructionLoans

[Brad the Construction Lender @BuildingLoanPro]

"My builder" is often not who's actually on your job site.
Ask this before you sign anything:
➝ Who is physically managing this project day to day? ➝ Is it you, a PM, or a sub we've never met?
The answer tells you everything about how your build will go.
#CustomHomeBuilder #BuildSmart #HomeConstruction

[Brad the Construction Lender @BuildingLoanPro]

Agents bring buyers. Builders bring the product.
When those two connect early — before a lot is even purchased — deals close faster and cleaner.
If you're a custom builder who wants to start building agent relationships, reach out.
We know how to make that intro. 🤝
#CustomBuilders #RealEstateAgents #BuildingLoanPro

[Brad the Construction Lender @BuildingLoanPro]

Custom home builders are sliding into our DMs asking the same question:
"How do we start working with agents?"

The answer isn't complicated. But most builders skip the step that matters most.

We'll show you exactly how. 👇

#CustomHomeBuilder #BuilderAgentPartnerships #ConstructionLoans

[Brad the Construction Lender @BuildingLoanPro]

Idaho has some gains. #IdahoRealEstate #IdahoHomeBuilding

[Brad the Construction Lender @BuildingLoanPro]

Financing a custom build? Construction loans work differently than traditional mortgages — and getting them right makes all the difference.
📲 https://t.co/LdQqSMTpxF — Brad Toft | Director of Construction Lending, Valor Home Loans

[Brad the Construction Lender @BuildingLoanPro]

Can I see a current project in progress? A confident builder will say yes. Their job site tells you everything about how they run their business.

[Brad the Construction Lender @BuildingLoanPro]

4️⃣ What happens if costs go over budget? Get the answer in writing. Contingency clauses protect you when materials spike or timelines shift.

[Brad the Construction Lender @BuildingLoanPro]

3️⃣ What's your draw schedule? This is how your lender releases funds at each phase. A builder unfamiliar with construction loan draws = delays and headaches.

[Brad the Construction Lender @BuildingLoanPro]

2️⃣ Who manages the subcontractors? Your builder's name is on the contract, but subs do most of the work. Know who's on your job site and how they're vetted.

[Brad the Construction Lender @BuildingLoanPro]

1️⃣ Are you licensed, bonded, and insured? Sounds obvious — but always verify. Ask for proof, not just a yes.

[Brad the Construction Lender @BuildingLoanPro]

Building a custom home? 🏗️ Before you sign anything, make sure you're asking your builder the right questions. Here are 5 most people skip. 🧵

[Brad the Construction Lender @BuildingLoanPro]

🏡 There's exciting news for the custom construction housing market! According to NAHB's Census Data analysis, custom home building is experiencing significant growth despite broader single-family home building challenges. #customconstruction #homebuilding #constructionlending #realestate

[Brad the Construction Lender @BuildingLoanPro]

Valor is hiring a Loan Officer Assistant. Know anyone who might be interested? https://t.co/CuLQuaiorF #constructionlending #constructionloans #mortgagejobs

[Brad the Construction Lender @BuildingLoanPro]

#ADU #ADUFinancing #AccessoryDwelling #HELOC #Lending #InvestmentProperty