We’re not here to hand you a single program and hope it fits. Whether you’re buying your first home, remodeling the one you have, adding an ADU, or developing land, we build the financing around what you’re trying to accomplish.

New Home Purchase

Every buyer’s situation is different, so we don’t lead with one loan program. We offer conventional, FHA, VA, and jumbo financing, along with specialty programs like DSCR, bank statement, non-QM, and asset-based loans for buyers whose income or assets don’t fit a conventional file. If you’ve served our country, we make sure your VA benefits are put to full use. If you’re self-employed, an investor, or building wealth in a way that doesn’t show up cleanly on a W-2, there’s a program built for that too.

Home Remodeling: Kitchen, Bath, and Closets

Not every home you buy needs to stay exactly as it is. We offer renovation and remodel financing that rolls kitchen updates, bathroom remodels, and closet build outs directly into your loan, so the work gets done on your terms and your timeline instead of years down the road once you’ve saved up separately. Closets have become one of the most requested upgrades we finance, and we’ve built the process to move as fast as the rest of the loan.

ADU Financing

Accessory dwelling units have become one of the smartest ways for homeowners to add rental income, house family, or increase long-term property value, especially in markets facing housing shortages. We offer financing built specifically for ADU construction and conversion, making this strategy available to homeowners directly, not only to buyers who can pay cash for it.

Commercial and Development

Building something bigger than a single home takes financing that moves at the same scale. We offer land acquisition financing, horizontal development loans for infrastructure like roads, utilities, and site work, and vertical construction financing once it’s time to build. Whether you’re developing one lot or an entire community, we structure the financing around your draw schedule, your timeline, and your margins instead of forcing your project into a one size fits all commercial product.

What a Rate Buydown Actually Does

A rate buydown lowers your interest rate, either temporarily or for the life of the loan, by paying points upfront in exchange for a lower monthly payment. Depending on the deal, this can be funded by the builder, the lender, or a combination of both. It’s one of the tools we use to make sure incentive packages translate into real monthly savings, not a number on paper.

What to Expect When You Work With Us

1. Get pre-approved. We start with a real conversation about your numbers, your goals, and your timeline, so you know exactly what you qualify for before you start looking at properties.
2. Explore the programs. We walk you through every option available to your specific situation, from first-time buyer assistance to investment property financing.
3. Lock in your strategy and rate. We structure the loan around your long-term goals and work to find the right rate for you to move forward with confidence.
4. Close with confidence. You walk into closing knowing exactly what you’re signing and why it’s the right move for you and your goals.

Why Builders Partner With The Rueth Team

Speed, creativity, and a commitment to close are what a builder relationship requires, and they’re what this partnership is built on. We move at the pace your project needs, we build the financing around the deal instead of forcing the deal to fit a program, and we don’t stop until the loan closes. That’s what it means to have a lending team behind you instead of a lender working alone.

How to Get in Touch

Every financing plan starts with a conversation about your numbers, your goals, and the strategy behind your next best move. Reach out to The Rueth Team to find out what’s possible for you.