Financing
built for
the build.
One loan. One closing. From land to keys — without the typical construction-loan headache. Land and home packages are financed together.
Soft credit check. Won't affect your score.
Get pre-approved in about two minutes through Fairway.
Three steps.
No mystery.
No surprise paperwork at closing.
Tell us about your build
Two minutes. Name, state, land status, and the home you have in mind. That's it.
Soft-pull pre-approval
You're handed off to Fairway Independent Mortgage. The soft credit check has zero impact on your score.
One loan, one closing
Construction-to-permanent rolls the build and your mortgage into a single closing. No double fees.
Two minutes. Soft credit check only.
Find the loan
that fits.
Most Saddlebrooke buyers use construction-to-permanent. The right loan depends on your situation.
Land + home packages included
We'll review your situation and point you to the right option.
Questions before
you start.
Will this affect my credit score?
No. The pre-approval through Fairway is a soft credit pull — it doesn't show up on the inquiries that affect your score. A hard pull only happens later if you decide to move forward with a full application.
Do I need to own land already?
No. We offer land + home packages — the lot purchase and the build are financed together in the same construction-to-permanent loan. If you already own land, that works too; your existing land equity can count toward your financing qualification.
What states do you finance in?
We build and finance in Texas, Arkansas, Oklahoma, and Louisiana only. If your build is outside these four states, we're not the right fit right now.
How long does pre-approval take?
The soft-pull pre-approval itself usually finishes the same day. Full underwriting takes longer, but you'll have a clear picture of what you qualify for within 24 hours of submitting.
What happens after I submit the form?
You're handed off directly to Fairway's secure pre-approval page. Your build details come to us so we can prep accurate pricing for the conversation that follows.
Is Saddlebrooke the lender?
No — we're the builder. Financing is handled by Fairway Independent Mortgage Corporation, an independent lender we partner with because they understand construction-to-permanent loans inside and out.
No commitment. See your number in about two minutes.
Get
pre-approved.
Two minutes. Soft credit pull only.
We handle the handoff to Fairway.
By entering your contact information, you are providing express written consent for Fairway Independent Mortgage Corporation to contact you at the email and number you provided via telephone, mobile device, automated means like autodialing, text SMS/MMS and pre-recorded messages, even if you are registered on a corporate, state, or federal Do Not Call list. You are also acknowledging and agreeing to our terms of service and privacy policy. Consent is not required to use our services.