Build your dream home with The 2 Mortgage Guys. One-time-close construction loans: VA $0 down, FHA 3.5% down, Conventional 5% down. Traditional two-time-close also available. Get pre-approved in 24 hours.
The 2 Mortgage Guys, Ryan Minick & Steve DeLon
Luminate Bank
Phone: (765) 450-8933
Email: [email protected]
NMLS# 203249 & 202876
Company NMLS# 1281698
Luminate Bank NMLS 1281698 Bank Headquarters 2523 S. Wayzata Blvd., Suite 100 Minneapolis, MN 55405 (952) 939-7200. This is not an offer to enter into an agreement. Information provided is outlining the minimum down payment requirements as allowed by specific loan program and product guidelines and any information, rates and programs are subject to change without prior notice and may not be available in all states. All loans are subject to credit and property approval. Luminate Bank is not affiliated with any government agency. All rights reserved.
Build your dream home with The 2 Mortgage Guys. One-time-close construction loans: VA $0 down, FHA 3.5% down, Conventional 5% down. Traditional two-time-close also available. Get pre-approved in 24 hours.
One-time-close and traditional construction loans designed for real people. FHA from 3.5% down . VA with $0 down . Conventional from 5% down .
$0 down • For eligible veterans
3.5% down • Lock rate before construction
5% down • Flexible terms
Standard construction + refinance
You scroll listings daily. Drive through neighborhoods that peaked in 1987. Compromise on layout, location, and condition — then pay top dollar for the privilege.
You don't have to keep scrolling Zillow hoping the perfect house appears. You can create it. We finance the dirt, the build, and the finished home — all in one loan.
Before you settle for someone else's compromises, here's what a one-time-close construction loan can do for you.
One loan. One closing. Zero surprises.
With a one-time-close loan, you pay for one appraisal, one set of closing costs, and one loan — not two. Traditional two-time-close loans force you to close once for construction, then refinance again when the home is finished. That means double origination fees, double title work, and double the paperwork. Our one-time-close programs eliminate that second closing entirely, typically saving buyers thousands in duplicated fees and out-of-pocket costs.
And if a traditional two-time-close makes more sense for your situation — we do those too . No cookie-cutter advice. Just the right loan for your build.
From first-time builders to experienced developers, we have a construction loan that fits.
Down Payment
No jargon. No surprises. Just four clear steps from blueprint to front door.
Our dedicated Nationwide Builder Division was built from the ground up specifically for construction lending. While most lenders treat builder qualification as an afterthought, we have a team that specializes exclusively in builder relationships — from vetting and approval to draw management and final inspection.
We'll review and approve them on your behalf — most builders qualify quickly once we walk them through our process. Don't let lender restrictions kill your dream home.
Numbers that separate us from standard mortgage shops
Dedicated builder relationship managers on staff
Homebuyers trust The 2 Mortgage Guys because we treat every loan like it's our own. Here's what real clients say about working with Ryan and Steve.
We're not a call center. We're not a faceless bank. We're two loan officers who believe that building a home should be exciting — not exhausting. We've helped hundreds of families finance new construction from the ground up, and we know every pothole in the road.
When you work with The 2 Mortgage Guys, you get direct phone numbers, honest answers, and a team that checks in on you after closing. That's why 319 clients have left us five-star reviews.
Tell us about your build. We'll match you with the right program and send you a detailed pre-approval letter within 24 hours.
Ryan or Steve will reach out within 24 hours to discuss your construction loan options.
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Everything you need to know about construction lending.
Every day you wait is another day of rent money gone forever. Let's talk about your construction loan options and get you pre-approved before you pick out tile.
Construction lending specialists serving builders and homebuyers nationwide.
NMLS
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