Financing Your New Home

Securing the right loan for your new construction home can be a unique challenge compared to financing an existing home. Cristo Homes is here to simplify the process with our trusted Preferred Lenders. These lenders have a proven history of collaborating with us, bringing invaluable knowledge of the home-building process and delivering the exceptional customer service you deserve.

What is a “Preferred Lender”?

Over many years in the industry, Cristo Homes has partnered with numerous mortgage companies and lenders. Through these partnerships, we have identified those who consistently offer outstanding service, competitive rates, and positive experiences for our homebuyers. Our Preferred Lenders have earned our trust by ensuring a seamless and efficient financing process, and we are confident they will 
do the same for you.

Find a Program That Fits Your Needs

Conventional Loan

A popular choice for many homebuyers, this loan typically requires a minimum 
down payment of 5% and a credit score of 640 or above.

FHA Loan

Ideal for first-time homebuyers, the FHA loan requires a down payment of at least 3.5% and a credit score of 580 or higher. Loan limits vary by location.

VA Loan

Exclusively available to qualifying veterans, this loan offers the advantage of no 
down payment and requires a credit score of 580 or higher.

HECM Loan

Tailored for homeowners aged 62 and older, this loan allows you to access the 
equity in your home without the burden of monthly mortgage payments.