Homerun
The hardest part of building a home from a kit usually isn't the build — it's the financing. Conventional mortgages fund finished homes, not construction projects, so kit buyers need a lender who actually understands draw schedules, owner-builders, and the realities of putting up a home from the slab up. That's why we're proud to feature BuildBuyRefi.com, powered by The Federal Savings Bank, as a lending partner for Homerun customers.
Who is BuildBuyRefi?
BuildBuyRefi.com is the construction and home-loan division powered by The Federal Savings Bank. They are a direct lender licensed in all 50 states — which means they fund their own loans rather than passing your file off to a third party. For a kit-built project, working with a true direct lender keeps the process simpler and the communication straight from the source.
The loan types they offer
One of the reasons we like BuildBuyRefi for kit homes is the breadth of products they bring to the table. Whether you're a first-time builder or financing a more complex project, there's likely a path that fits:
- Conventional, FHA, VA, Portfolio, and Jumbo loans — the full range of standard programs, from government-backed options to portfolio products for borrowers who don't fit a one-size-fits-all box, plus jumbo financing for larger builds.
- 2nd Position Construction Loans — a construction loan that sits behind an existing first mortgage, useful when you already have financing in place and want to build without refinancing your primary loan.
- ITIN Construction Loans — construction financing for borrowers who file taxes with an Individual Taxpayer Identification Number rather than a Social Security number, opening the door for buyers who often get turned away elsewhere.
Why we recommend them for kit builders
Plenty of lenders will say they do construction loans. What sets BuildBuyRefi apart for our customers comes down to a few things:
- Direct lender in all 50 states — no matter where your build site is, they can lend there.
- Minimum 640 credit score — a realistic bar that works for a lot of buyers planning a construction project.
- No brokering, no admin fees — your loan stays in-house, with no broker in the middle and no admin fees to start the process.
- Fantastic rates — competitive pricing that keeps your monthly payment and your total cost of building in check.
How to get started
If you're planning a Homerun house kit or steel building and want to talk financing, the fastest path is to go straight to BuildBuyRefi's dedicated Homerun page and apply or learn more. You can also call our team at 765-748-6067 and we'll point you in the right direction for your project.