HouseMax Funding provides ground-up construction financing built for experienced builders looking to scale. We offer competitive rates, higher leverage, and fast closings—while building real relationships along the way. As a boots-on-the-ground lender,we’re here to support you from start to finish and see your projects first hand.
Transparent terms designed for experienced builders.
Why top builders choose HouseMax Funding.
We don’t force you into rigid guidelines—our ground-up construction loans are tailored to yourproject, your experience, and your vision.
With no application fees and a streamlined process, we make it easy to move quickly fromapproval to breaking ground.
By combining cutting-edge tools with real human support, we use technology to streamline theprocess—not to put a barrier between us and our investors.
We’ve doubled the speed of our draw process over the past year—leveraging technology tocomplete inspections faster and fund draws in as little as a few hours. We’re constantlyimproving across every department because, as investors ourselves, we know how critical it isto get your funds out fast.
See how we deliver for our borrowers when it matters most.
.jpg)
Faced with a competitive situation and a seller ready to move on a cash offer, our borrower needed certainty—and speed.
Because of our direct lending model and relationship with the borrower, we were able to step in quickly, structure the deal, and deliver.
This wasn't our first time working together either—the borrower's previous project closed in just 12 business days.
When execution matters, we show up.
We're seeing a huge surge in interest from builders moving from ground-up construction into DSCR loans as their preferred exit strategy. More builders are choosing to hold and stabilize their projects rather than sell, creating long-term rental portfolios.
This shift allows them to recycle capital faster while locking in cash-flowing assets. For builders, it's not just about finishing the project anymore—it's about what that project becomes after completion.
Podcast: Fix and Flip & Ground-up Construction to DSCR — HMF R16
Hear from builders and investors who trust HouseMax Funding.
"Worked with HouseMax on a cash-out refinance for an investment property in San Diego, CA. HouseMax knows how real estate investments work and was able to tailor a solution to my needs. Their rates were great and the process was easy to navigate while getting great support from underwriting team. Team managed to get a great LTV while maintaining rates competitive."
"We've used HouseMax for spec new builds, flips, and rental properties, and every time, the process is smooth and stress-free. Their rates are competitive, and they've consistently delivered on every commitment."
"Working with Mike Barnabei at Housemax Funding was an outstanding experience! My new construction investment loan was approved quickly and smoothly, and Mike guided me through every step of the process with clarity and responsiveness. He was always available to answer questions, and the first draw was funded promptly—all within about four weeks. I truly appreciate his professionalism and efficiency. Highly recommend Mike for any real estate financing needs!"
Discover our full suite of lending products.
Move fast on your next deal with financing built for speed, leverage, and seamless execution. With up to 100% LTC and a team that knows the flip process inside and out.
Refinance or purchase rental properties with flexible DSCR loans designed around your property's income—not your personal income. Lock in competitive rates and scale your portfolio with a seamless transition from project to long-term hold.
Use our Instant iDSCR Quote tool to size your loan in under 2 minutes—giving you the flexibility to choose the rates and structure that fit your deal, anytime, anywhere.
