Veteran Owned • FDIC Insured
• Lending In All 50 States

Tough Loans Do Not Scare Us

Your loan is made by a federally chartered bank, not brokered out. Our own loan committee and portfolio programs let us write construction and renovation on primary, second home, and investment properties, plus ITIN, Conventional, FHA, VA, USDA, Non-QM, jumbo, manufactured, and modular across more than 14 property styles. On a primary residence, we write second lien position construction and renovation too.

Check Your Eligibility ›

2 minutes. Zero impact to your credit.

All Loan Programs

Find the program built for your situation

Every program below is underwritten by our own team. Pick the one that fits, or check your eligibility and we will match you.

Construction

Not sure which one fits? We will tell you.

Check Your Eligibility › Call (844) 999-0639

2 minutes, zero credit impact to see your options. Or call and talk to a real person, 24 hours a day, 7 days a week. No robots, no phone trees.

Our Lending Sites

One lender. Six specialists.

Nationwide Home Loans Group is the parent. Each site below is a dedicated team with deeper guides for that program. Every one of them is the same lender, the same underwriting, and the same 50 states.

BuildBuyRefi

Our full loan guide library and pre-qualification hub. Start here if you are building, buying, or refinancing and want to compare programs. Visit BuildBuyRefi →

VA Nationwide

VA purchase, construction, renovation, and refinance for eligible veterans and surviving spouses, from a veteran owned lender. Visit VA Nationwide →

USDA Nationwide

USDA rural development loans for purchase and refinance in eligible rural and suburban areas, including manufactured and modular home styles. Visit USDA Nationwide →

Manufactured Nationwide

Manufactured, modular, and mobile home financing, including double and triple-wide, barndominium, SIP, ICF, and kit-style homes. Visit Manufactured Nationwide →

Investor Purchase Cash Out Loans

Buy the property and walk out with extra cash. Qualified investors can add up to *$50,000 to furnish the unit, make updates, or add an ADU to raise rents, without a hard money partner. Visit Investor Purchase Cash Out Loans →

Preferred Partners

Builders, contractors, dealers, and real estate agents. Over 2,000 already work with us. Join them, or ask about our banker openings. Become a partner →

Only Through Us

Three things your other lender cannot offer

Up to $50,000*

Extra Consumer Financing

Qualified borrowers may add a separate unsecured consumer loan we underwrite in-house, before, at, or after closing. Use it to pay down debt and qualify for more, furnish the home, or fund upgrades. We do not know another lender doing this. See how it works → Up to 30%†

Real Estate Commission Savings

Eligible consumers represented by a participating brokerage may receive a rebate of up to 30% of that brokerage's fee, applied toward closing costs. Buying or selling, a home or land, anywhere in the country. It costs you nothing to use. See if you qualify → 2,000+

Builders, Contractors & Dealers

Already signed up and working with us, and growing every day. That means a vetted builder near you, a team that already knows our draw process, and a faster path from approval to closing. Join the network →

*Qualification for up to $50,000 extra is for qualified borrowers and can be applied to all loan programs. This is a separate unsecured consumer loan underwritten in-house at the same time as your requested mortgage loan. Consumer unsecured lending programs prohibit loan proceeds from being used for down payment. †Subject to applicable law and lender approval. Some states condition or do not permit brokerage rebates. Full terms in our footer disclosures.

Partners & Careers

Not here for a loan? We are hiring and partnering.

Builders, agents, and bankers build a real business with us. No corporate runaround, no gatekeeping, and a direct line to the people who actually make decisions.

For Builders, Contractors & Dealers

Become a Preferred Partner

Join over 2,000 builders, contractors, and dealers already working with us. Get listed where borrowers can find you, work with a team that already knows your draw schedule, and close faster. Apply to partner → For Real Estate Agents

In-House Real Estate Banker Program

We hire licensed real estate agents as bankers in all 50 states. Keep serving your clients, add a lending side to your business, and stop handing your buyers off to somebody who does not answer the phone. Start the conversation → For Mortgage Bankers

We Are Hiring In All 50 States

Bring your book to a lender with its own loan committee, portfolio programs, and exceptions. Reach out directly and you skip the HR queue entirely, straight to the people making the hiring decision. See open roles →

Recognized & Rated

We did not give ourselves these.

Best Manufactured Home Lender by Investopedia, and lending in all 50 states

Better Business Bureau A+ rating and Top Mortgage Workplaces by Mortgage Professionals Association

Best Overall Construction Lender and Best VA Construction Lender, rated by Investopedia

As Seen In

Top Rated Local 2019 and 2020 Winner for Nationwide Home Loans Group

Featured in The Mortgage Reports, Lifetime, and Military Makeover with Montel

Featured on Military.com, Investopedia Rise Winner, and BobVila.com Best Construction Loan Lender Runner Up

Common Questions

Straight answers, before you fill anything out.

Does checking eligibility affect my credit score?

No. Our eligibility form does not pull your credit, not even a soft pull, and does not ask for your Social Security number at that stage. We check general eligibility against our loan programs based on what you tell us. Your banker confirms with you before any credit check is run.

Are you a bank or a mortgage broker?

Your loan is made by a federally chartered, FDIC-insured bank, not brokered out to an outside lender. Underwriting happens in house, with its own loan committee for exceptions and portfolio programs, which is why we can approve files many lenders decline.

What loan programs do you offer?

ITIN, Conventional, FHA, VA, USDA, Non-QM, jumbo, portfolio, manufactured, and modular financing across more than 14 property styles, in all 50 states.

What types of construction loans do you offer?

Construction and renovation on primary, second home, and investment properties, as a One-Time Close, a Two-Time Close, or our Hybrid. Styles include Conventional, FHA, VA, ITIN, jumbo, and portfolio construction. On a primary residence we also write second lien position construction and renovation. Renovation includes FHA 203k and our in-house portfolio renovation.

What is Nationwide Home Loans Group?

We are the parent brand for a family of United States mortgage lending sites, including BuildBuyRefi, VA Nationwide, USDA Nationwide, Manufactured Nationwide, and Investor Purchase Cash Out Loans. Veteran owned, FDIC insured, lending in all 50 states.

Do you work with builders and real estate agents?

Yes. Over 2,000 builders, contractors, and dealers already work with us through our Preferred Partner program. We also hire licensed real estate agents into our in-house Real Estate Banker Program, and we hire mortgage bankers in all 50 states.

Let us take a look at your situation.