Get Preapproved

Knowing your budget before you design your home makes every next step easier. A mortgage preapproval tells you how much you can borrow, so we can match the right model, lot and finishes to your budget from the start. It also shows sellers and land owners that you’re a serious buyer.

We work with Lauren Maxwell at CrossCountry Mortgage (NMLS #331415), who helps our buyers with financing for new construction, spec homes and land. Start your application online in a few minutes.

Start My Preapproval

Why Get Preapproved First?

• Know your real budget — design and price your home around numbers you can actually finance.
• Move faster — when the right lot or spec home comes up, you’re ready to act.
• Avoid surprises — find out early about down payment, credit or income questions.
• Plan the right loan — building on your own lot often uses a construction or construction-to-permanent loan, which works differently from buying an existing home.

Financing Options to Ask About

• Construction-to-permanent loans — one loan that covers the build and then converts to a regular mortgage.
• Conventional, FHA, VA and USDA loans — for completed spec homes and eligible properties.
• Lot and land loans — for buyers purchasing land before they build.
• Renovation and rebuild financing — for storm-damaged homes and major remodels.

Which programs you qualify for depends on your credit, income, property and location. Lauren can walk you through the options that fit your situation.

How It Works

1. Apply online — use the secure CrossCountry Mortgage application below.
2. Talk with Lauren — she’ll review your information and discuss loan options.
3. Get your preapproval — then bring it to us and we’ll plan your build around it.

Apply With CrossCountry Mortgage

Ready to Talk About Your Build?

Already preapproved, or want to talk about lots, models and pricing first? Call or text (239) 329-8804 or contact us. See our tiny home models, ADUs and services.

Miniopolis LLC is a licensed general contractor (CGC1531810), not a mortgage lender. Mortgage applications, approvals, rates and terms are provided solely by CrossCountry Mortgage, LLC (NMLS #3029), an Equal Housing Opportunity lender. Loan officer: Lauren Maxwell, NMLS #331415. All loans are subject to credit approval, underwriting and property eligibility. You’re free to use any lender you choose.