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Financing Your New Home

No Construction Loan Required. Flexible financing options available.

"Building Your Dream, Financing Your Future"


Simplifying Your Build

No Construction Loan Required

At Oak Ridge Homes, the financing process is designed to provide convenience and flexibility for buyers. Unlike traditional builders, Oak Ridge Homes does not require a construction loan for their build projects. Instead, they finance the construction of the home themselves, allowing buyers to avoid making payments during the construction phase.


This financing approach offers several benefits to buyers. Firstly, it eliminates the need for separate construction loan payments, simplifying the financial aspect of the homebuilding process. Buyers can focus on planning and designing their dream home without the added burden of interim loan payments.


Additionally, Oak Ridge Homes' financing model opens up opportunities for buyers to utilize various loan options, such as FHA, VA, and conventional loans. This means that buyers can explore different financing avenues and select the loan program that best suits their specific needs and eligibility. Whether buyers qualify for government-backed loans or prefer conventional financing, Oak Ridge Homes can accommodate their preferences.


By providing financing for the build project and closing at the end, Oak Ridge Homes streamlines the homebuilding process and ensures a smoother transition from construction to ownership. Buyers can move into their newly built home without the complexities associated with traditional construction loans.


Overall, Oak Ridge Homes' financing approach allows buyers to build their dream home without the stress of making construction loan payments and provides the flexibility to choose from a range of loan options. It exemplifies their commitment to making the homebuilding journey as convenient and accessible as possible for buyers.

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Navigating Your Home Financing:

Oak Ridge Homes and Dart Bank - Your Path to Pre-approval

When embarking on the journey of purchasing a new home with Oak Ridge Homes, it is important to note that obtaining a preapproval from Dart Bank, our preferred lender, is a requirement. This preapproval serves as an essential step in assessing the buyer's financial readiness and determining the loan amount for which they may qualify. However, Oak Ridge Homes understands that buyers have the freedom to choose their preferred lender for financing, even though the preapproval from Dart Bank is mandatory.


While Dart Bank's preapproval is necessary, buyers are not obligated to utilize their services for financing. Oak Ridge Homes recognizes that buyers may have established relationships with other lenders or may wish to explore different financing options to find the best fit for their needs. It is crucial for buyers to have the flexibility to shop around, compare loan terms, interest rates, and services offered by various lenders. This empowers buyers to make an informed decision that aligns with their unique financial circumstances and goals.


Although Oak Ridge Homes highly recommends considering Dart Bank for financing, due to their familiarity with the intricacies of the homebuilding process and the potential for a smoother transaction, the final choice of lender rests entirely with the buyer. They have the liberty to select a lender they feel most comfortable working with, one that provides favorable terms and conditions that suit their individual preferences.


By necessitating a preapproval from Dart Bank, Oak Ridge Homes ensures that buyers take the crucial initial step of securing financing options and gain a clearer understanding of their budgetary limits. This requirement streamlines the homebuying process and equips buyers with valuable information to confidently make decisions when selecting their dream home. The collaboration between Oak Ridge Homes and Dart Bank aims to provide buyers with support and guidance while allowing them the flexibility to choose the financing option that best suits their needs and preferences.

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