What credit score do I need to qualify for a new home loan?

Credit-score requirements vary by loan program. HLX Mortgage can walk you through what your specific score qualifies for.

Can I lock in my interest rate while my home is being built?

Yes. HLX Mortgage offers interest-rate lock options that can extend through your build, giving you protection from rate movement between contract and close. Terms vary by program and market conditions.

What costs should I plan for besides the home price?

Plan for a down payment, closing costs, an earnest-money deposit at contract, and any optional design-center upgrades. Your lender can provide a written estimate of closing costs.

Does William Ryan Homes offer financing incentives?

Incentives vary by community and time of year. Check the William Ryan Homes Incentives and Promotions page page or ask your sales consultant for current new construction home incentives.

FINANCING YOUR NEW HOME

Your New Home Starts With a Financing Plan

Explore financing for your new construction home by William Ryan Homes with our preferred lender, HLX Mortgage, also known as Home Loan Express. Connect with a loan officer to discuss your budget, explore mortgage options and understand your next steps toward homeownership.

Connect with HLX Mortgage

Explore the Financing Process

Couple reviewing home financing documents with a mortgage loan officer

Your Next Steps

From Financing to Your Front Door

01 Explore Your Budget

Talk with HLX about your financing needs and the steps toward pre-approval.

02 Apply With Guidance

Work with a loan officer to understand your options and provide the required documents.

03 Prepare for Closing

Stay connected with your loan officer as you work toward closing on your new home.

Common questions

Financing Your New Home

Pre-qualification with our preferred lender, HLX Mortgage (Home Loan Express), can be started with an online application and gives you a clear picture of your buying power before you fall in love with a floor plan.

Talk With the William Ryan Homes Team

Have questions about our homes, communities or getting started? Tell us where you want to live and what you need help with. Our team can help you explore your next steps and connect you with HLX Mortgage for financing questions.