Transform Your Home Buying, Building, or Refinancing Experience

In today’s competitive real estate market, securing the perfect home or investment property is just the beginning. With our exclusive Consumer Loan™, we offer qualified borrowers up to *$50,000 in additional financing, tailored to meet your unique needs—whether you’re buying, building, refinancing, or renovating.

This loan is available exclusively to clients who are processing and closing a mortgage loan with us, providing unparalleled flexibility and financial support.

What Is the BuildBuyRefi.com Consumer Loan™?

Our Consumer Loan™ is a versatile financing option available exclusively to borrowers who are processing a mortgage loan with BuildBuyRefi.com, powered by The Federal Savings Bank. This unique loan allows you to access up to *$50,000, either before or at closing, providing you with the financial flexibility to achieve your goals without the constraints typically imposed by other banks.

Why Choose Our Consumer Loan™?

1. Exclusivity:

• Unique to Our Bank: Unlike other financial institutions, we offer this innovative loan exclusively to our clients, giving you options that simply aren’t available elsewhere.

2. No Collateral Required:

• Simplified Process: No extra collateral is required, this unsecured loan is not attached to your mortgage and is a separate stand-alone loan. This makes it easier to get approved and start using the funds immediately.

3. Fast Approval Times:

• Quick & Efficient: We understand that time is of the essence. That’s why our approval process is fast, ensuring you can access your funds when you need them the most.

Flexible Funding for a Variety of Needs

1. Debt Consolidation:

• Improve Loan Eligibility: Pay down high-interest debt to improve your debt-to-income ratio, enabling you to qualify for a higher mortgage amount or better loan terms.

2. Home Improvements:

• Enhance Your Living Space: Use these funds to remodel your kitchen, add a new bathroom, or even build an ADU (Accessory Dwelling Unit) for rental income. The possibilities are endless.

3. Furnishing Your New Home:

• Make It Yours: From a cozy living room to a fully equipped kitchen, use the extra funds to furnish your entire home with new furniture, appliances, and decor that reflect your style.

4. Creating a Backyard Retreat:

• Outdoor Oasis: Transform your backyard into a relaxation retreat with additions like a pool, outdoor kitchen, or fire pit, making your home the perfect place to unwind.

5. Starting a Side Business:

• Entrepreneurial Ventures: Whether it’s launching a home-based business, hiring staff, or setting up a rental unit, our Consumer Loan™ gives you the financial boost to get started.

How It Benefits Real Estate Agents and Their Clients

1. Boost Loan Approvals:

• Increase Eligibility: Agents can guide their clients in using the Consumer Loan™ to pay off debt, improving their chances of securing a higher loan amount and closing the deal.

2. Close More Sales:

• Flexible Financing: This loan provides buyers with the extra cash needed to cover renovations, furnishings, or other essential expenses, making the property more appealing and ensuring a successful transaction.

3. Support for Sellers:

• Enhance Property Value: Sellers can use the loan to make improvements or repairs before listing, attracting more buyers and securing a higher selling price.

How to Get Started with the Consumer Loan™

1. Eligibility Check:

• Simple Qualification: If you’re already processing a mortgage with us, you’re eligible to apply for the Consumer Loan™. No extra steps, just seamless integration into your existing process.

2. Application Process:

• Quick & Easy: Your assigned banker will guide you through the straightforward application process, ensuring you have everything you need to get started.

3. Seamless Integration at Closing:

• Hassle-Free: Once approved, the funds are disbursed either before or at closing, making it easy to start using your loan without delays.

Why Choose Us, Our Loan Committee, And Our In-House Portfolio Team?

At BuildBuyRefi.com, our dedicated in-house loan committee and portfolio team that plays a crucial role in ensuring that your loan experience is seamless and tailored to your needs. Unlike traditional lenders, who may adhere strictly to rigid criteria, our portfolio team has the flexibility to make exceptions based on positive compensating factors.

This means that if you have a unique financial situation—whether it’s non-standard income, a less-than-perfect credit history, or other complexities—our internal portfolio team and loan committee will carefully review your case to find solutions that might not be available elsewhere.

This personalized approach not only increases your chances of securing the loan you need but also ensures that the terms are as favorable as possible. Our team’s ability to make real-time decisions and adjust loan terms based on individual circumstances sets us apart in the industry, providing you with the confidence that you’re getting the best possible support.

1. In-House Loan Committee & Portfolio Team:

• Personalized Decision-Making: Our team evaluates each application on a case-by-case basis, allowing us to make exceptions and close deals that others can’t.

2. Diverse Loan Products:

• Comprehensive Options: With over 100 loan programs, including specialized financing options like Jumbo, Construction, Renovation, and ITIN loans, as well as a full sweet of government loans, catering to a wide range of client needs.

3. Trusted FDIC Insured Bank:

• Security and Peace of Mind: Partner with a financially strong, FDIC-insured, 50-State, Veteran-Owned institution that you and your clients can trust.

4. Veteran Owned & Financially Strong:

• Stability in All Market Conditions: Operating as a Veteran-Owned, debt-free bank, we provide the confidence and assurance needed to navigate any market conditions.

Our Smart Loan™ + Our Consumer Loan™ = A Winning Combination

The Consumer Loan™ and the Smart Loan™ together offer an unmatched solution for homebuyers and real estate agents. Here’s how they work in tandem to provide comprehensive financial support:

Imagine a scenario where a homebuyer is facing a seller who refuses to pay the buyer’s agent commission. The buyer can use the Smart Loan™ to cover this commission, ensuring that the agent is compensated, and the deal stays on track. Simultaneously, the buyer can take out a Consumer Loan™ to furnish their new home, cover moving costs, or even pay down other debts to improve their financial situation.

For real estate agents, this combination is a game-changer. By offering both the Smart Loan™ and Consumer Loan™ to your clients, you not only help them overcome financial hurdles but also position yourself as a resourceful and proactive partner in the home buying process. These tools give you a significant edge in closing deals that might otherwise fall through, securing your commissions and enhancing client satisfaction.

Not only are these programs designed to empower clients in all 50 states, we look to create powerful lasting relationships across the country as well. This is why we have introduced our Real Estate Agent Banker program, and would urge you to take a close look at this program.

Take the Next Step

Ready to unlock the full potential of your real estate transactions? Check your loan eligibility, speak with one of our seasoned bankers and Sr. Vice Presidents today to learn how our exclusive Consumer Loan™ can work for you. Whether you're a buyer, seller, or agent, this innovative loan is your key to success.

*BuildBuyRefi.com and The Federal Savings Bank is An Equal Opportunity Employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.