In-House Financing Options
Design. Build. Finance.
All with One Team.
Financing Made Simple
Building a new home should feel exciting, not overwhelming. At Harvell Homes, we make financing easier by offering in-house guidance and flexible loan options designed to fit a wide range of buyers. Whether you’re building your first home, upgrading for more space, or starting fresh, our goal is to help you understand your options and move forward with confidence.
By combining design, building, and financing support in one place, we simplify the process and help you avoid unnecessary stress along the way.
Loan Options Designed for Real Life
We work with multiple loan programs to meet different needs and financial situations:
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.
Ready to Learn More?
Every situation is different, and the best way to understand your options is to talk with our team.
Contact Harvell Homes today to learn more about financing, qualifications, and how we can help you move one step closer to your new home.
Let’s get started today.