Adair Financial Services Brochure

Offering a one-of-a-kind construction loan that’s uniquely tailored for the Adair Homes customer

ALLIANCE FINANCIAL SERVICES: Specializing in Financing Dreams & Providing Value Since 2003 One of a kind construction financing that allows for little or NO money down on your Adair home.

Direct partner with Adair Homes so you know we’re with you every step of the way.

Unparalleled customer service specifically designed for the Adair Homes Land & Home Package.

Integrated draw request process to keep your project moving forward and reduce build times.

Construction loans “engineered” for Adair customers to fund the land purchase, home build and site development.

AFS has a comprehensive understanding of building with Adair homes.

AFS works directly with Adair to ensure your project is viable— even post appraisal.

As experts in construction financing AFS has developed great partnerships that you can utilize for your permanent mortgage.

AFS has a variety of permanent financing options: FHA, VA, Conventional, ARM, 15-Year Fixed, and 30-Year Fixed.

Minimal out of pocket expenses when converting to the permanent loan.

Sometimes it takes a village to build a house. AFS allows Non-Occupant Co-Signers to help with the financing.

Unlike many other lenders, AFS can finance building permits into the construction loan.

Well Financing available for acreage properties—even before the property is in your name! ...and so much more!

360.448.6077

THE CONSTRUCTION LOAN PROCESS Financing your new construction home can be easy with AFS. Here’s how...

PHASE 1

PLANNING YOUR PROJECT & BUDGET :::

Complete a construction finance application at your local Adair Homes branch or online at www.alliancefs.net for a pre-qualification amount so you can start planning and budgeting.

:::

Upon acceptance, we will mail you the construction loan package which includes a pre-qualification letter.

:::

Sign the loan package documents and return required financial documentation to AFS.

:::

After review of your credit, income and assets, you will be pre-approved.

:::

You can now begin the process of finding land to build your dream home on, if not already owned.

WWW.ALLIANCEFS.NET

PHASE 2 MANAGING THE DETAILS :::

Provide a fully executed purchase and sale agreement with a minimum 90-day close of escrow which includes a 30-day feasibility period.

:::

Meet with your local Adair Homes Pro Team member to finalize your home order, schedule site inspection, and clarify any questions regarding site development costs & feasibility.

:::

If a well is needed on the property, please contact your AFS loan officer for details. The construction loan cannot fund without a viable water source.

:::

Adair homes will provide all required documentation, including approved and signed home order to facilitate ordering the home appraisal. AFS cannot order the home appraisal until all documentation is provide by Adair Homes.

:::

Supply AFS finalized site development costs and written bids.

360.448.6077

PHASE 3 PREPARING FOR CONSTRUCTION :::

Upon receipt of your appraisal our team will review the report, site development costs and written bids to ensure the proposed project is ready for lender approval.

:::

We will submit loan documents to our lender for final review.

:::

Now that your loan has been approved, we will order the loan documents and have them sent to escrow.

:::

We will help coordinate your loan closing.

:::

Our team will contact you when your loan funds.

:::

Near the completion of your home, Alliance Financial Services will contact you to begin your next step: Permanent Financing.

WWW.ALLIANCEFS.NET

PHASE 4 FINALIZING YOUR PERMANENT FINANCING :::

During course of construction, your Permanent Financing Specialist will be checking in with you to answer any questions you may have regarding permanent financing.

:::

When your home is near completion, your Permanent Financing Specialist will discuss various financing options with you.

:::

After agreed upon terms and review of credit, we will mail your permanent loan package to you.

:::

Sign the loan package documents and return required documentation to your personal AFS Permanent Financing Specialist.

:::

After review of your income and assets, we are ready to order the appraisal and submit your loan to our lender for approval and closing.

360.448.6077

Get Started on Your Dream SCHEDULE YOUR COMPLIMENTARY CONSULTATION TODAY!

360.448.6077 | www.alliancefs.net

“We were able to get a construction loan regardless of a short sale in our past. It was just a perfect match and everything we were looking for in getting into a home. Now we are trying to find property to build our next Adair home!””

— HAPPY AFS CUSTOMERS

WWW.ALLIANCEFS.NET

360.448.6077 | www.alliancefs.net

Alliance Financial Services is an equal opportunity lender with a commitment to fair lending. Company NMLS #4586 ID - MBL 7958, WA - MB 4586, OR - ML 2714

v08.16