Highland Mortgage
HM Builders Division

Highland Mortgage

BUILDERS
Division

Flexible financing solutions built for builders — including the ability to buy a block of rates below market rate. Partner with us as we grow together.

How It WorksContact Us

Weekly Rate Sheets

120

Day Inventory Financing

1:1

Dedicated Relationship Manager

What We Offer

BUILDER
Solutions

1x Construction to PermRenovation HELOCCashout RefinanceFix n FlipLot LoanFHA 203KSpec Home Lending+ More
Partner With Us

Key Features

  • Competitive rates tailored for builder financing
  • RateBlock™ lets 2, 4, or more builders buy a block of rates together
  • Group formation facilitation for below-market rate access
  • Programs designed for smaller builders to compete with Big Box
  • Rate buydowns & incentives for quicker project completion
  • Financing for inventory completable within 120 days
  • Personalized consultation to optimize your strategy

Our Signature Program

RATEBLOCK

Groups of 2, 4, or more builders buy a block of rates together — accessing pricing normally reserved for the largest companies.

Groups of 2+Below-market ratesForward commitments
1

Smaller builders access rates typically reserved for large companies

2

Confident budget management with predictable financing costs

3

Flexibility to offer rate buydowns to potential homebuyers

4

Flexible financing that supports project timelines and sales strategies

The Builder Advantage

WHAT THIS MEANS
FOR YOU

1

Better pricing and lower costs on financing

2

Reduced risk of leftover funds or unutilized financing

3

Increased project profitability through rate stability

4

Opportunity to offer attractive financing options to homebuyers

5

Enhanced competitiveness via collective builder programs

6

Streamlined process to secure financing for multiple projects at once

Always In the Loop

DEDICATED
COMMUNICATIONS

Pipeline Management

A Dedicated Relationship Manager serves as your single point of contact — managing every project, keeping you informed, so you stay focused on building.

In-house Underwriting

Decisions are made locally — no middlemen, no delays. Faster, more accurate decisions that fit the specific demands of your construction timeline.

Appraisal Panel

A specialized New Construction Appraisal Panel ensures accurate, fast evaluations. We add appraisers as needed to keep turn times quick, and we welcome referrals.

We send rate sheets twice a week— so you're never behind on pricing.

Let's Build Together

READY TO
PARTNER?

Get in touch with our Builders Division team today and find out what Highland can do for your projects.

Contact Our Team →