In-House Financing Options
Design. Build. Finance.
All with One Team.
Financing Made Simple
Buying a new home is an exciting milestone, and choosing the right financing should feel just as straightforward. Harvell Homes works with trusted lending partners to help you explore financing options that fit your budget, goals, and timeline. Whether you’re purchasing your first home, upgrading to a larger space, or building your forever home at Story House Village, we’re here to help you understand your choices with confidence.
From conventional mortgages to government backed loan programs and construction financing, we’ll connect you with experienced professionals who can guide you through the approval process and answer your questions along the way. Our goal is to make financing one less thing to worry about so you can focus on building your future.
Loan Options Designed for Real Life
We work with multiple loan programs to meet different needs and financial situations:
One-Time Close Loans
- 5% Down Available
- One Closing
- Interest-Only During Construction
- Converts to Permanent Mortgage
Conventional
Loans
- Credit scores starting as low as 620
- Up to 97% financing
- Available for primary homes, vacation homes, and investment properties
VA & USDA
Loans
- Credit scores starting as low as 540
- 100% financing available for qualifying buyers
- Primary residences only
FHA Loans
- Credit scores starting as low as 540
- Up to 96.5% financing
- Primary residences only
- Buyers with credit scores between 540–579 may qualify with up to 90% financing
In-house financing is offered through the Harvell Homes preferred lender. Financing depends on credit approval and eligibility. Not all buyers will qualify for every program. Terms and availability may vary. Some restrictions apply.
If you’re unsure which option fits you best, our team will walk you through the details and help you find the right path forward.
How the 3% Assistance Can Help You
Qualified buyers may have access to up to 3% assistance, which can be used in several helpful ways:
- Reduce closing costs to lower the cash needed up front
- Permanent buydowns to help reduce your long-term payment
- 2-1 temporary buydowns that lower payments in the first and second year
This flexibility allows you to focus on building the right home without draining your savings.
Financing That Fits Your Situation
Whether you’re focused on monthly payments, rebuilding credit, or making smart use of your cash, there are options available. Many buyers are surprised to learn how close they already are to qualifying. With Harvell Homes, you don’t have to navigate this alone. Our team helps coordinate your build and your financing so everything works together smoothly.
No two buyers are the same, which is why our financing options are designed to support a wide range of situations and goals.
First-Time or Payment-Focused Buyers
Options that help reduce cash needed up front and keep monthly payments manageable.
Buyers with Limited or Rebuilding Credit
Loan programs available with credit scores starting at 540, helping more buyers qualify than they expect.
Growing Families & Upgraders
Flexible financing that supports more space, better layouts, and long-term value without added stress.
Cash-Ready Buyers Looking for Smart Options
Financing choices that allow you to preserve savings for upgrades, furnishings, or future plans.
These are just a few examples, and our team is happy to walk through your unique situation to help you find the option that fits you best.
5% Down Construction-To-Permanent Loan
One-Time Close. One Loan. Your Dream Home.
Harvell Homes works with trusted lending partners to offer qualified buyers a Construction-To-Permanent Loan with as little as 5% down. This one-time close loan combines your construction financing and permanent mortgage into a single loan, helping simplify the building process from start to finish
As Little as 5% Down
Available for qualified primary residences.
One Loan, One Closing
Simplify the process with one loan and one closing from start to finish.
Interest-Only During Construction
Make interest-only payments while your home is being built.
Automatically Converts
Your construction loan converts to a permanent mortgage after your home is complete.
Program Highlights
- Credit scores as low as 680
- Conforming and high-balance loan options
- Purchase and limited cash-out refinance
- Up to 95% LTV for primary residences
- Fixed-rate financing
- Extended rate lock and float down options available
- Closing costs can be financed (refinance transactions)
Have Questions or Ready to Learn More?
Learn more about financing, the buying process, our homes, and how we can bring your vision to life. We’re here to help!