Oct 13, 2025
Tilson Live! The Options for Financing A Custom Home On Your Land
Thinking about financing a custom home on your land? This is the episode for you! In case you missed this week's Tilson Live!, we've got the full recap right here, packed with expert advice to guide you on your journey.
Hosts Eric Alarid and Dawn Dantzler were joined by special guest Matt Howe (NMLS #313072), President of Wagon Hill Home Loans, for a comprehensive discussion on everything you need to know about your financing options. They demystify the process, from understanding interest rate locks and the prequalification process to exploring programs like Tilson's EasyBuy and a one-time close construction loan. If you're planning to build your dream home in Texas, this guidance from a trusted Texas homebuilder and a leading financing expert is invaluable.
Ready to gain confidence in your home-building journey? Watch now to learn about debt-to-income ratio, using your land equity, bridge loans, and so much more.
Seminar Notes:
- 00:55 Viewer Welcomes & Introductions
- 02:29 Special Guest Introduction: Matt Howe (NMLS #313072)
- 07:10 Financing Discussion Topics
- 07:46 Tilson’s Relationship with Wagon Hill Home Loans
- 16:31 Loan Update Process Explained
- 18:20 Why a Loan Update is Needed
- 22:06Interest Rate Locks Explained
- 23:41 State of Current Interest Rates
- 28:28 Financial Prequalification Process
- 33:05 Is PMI Required with the EasyBuy Program?
- 34:27 Equity Discussion
- 38:36 Combining Mortgages
- 40:19 Interest Rates Vs. Price Discussion
- 45:37 How Down Payments Affect Interest Rates
- 51:44 Bridge Loans Explained
- 52:35 Credit Requirement for EasyBuy Program
- 55:00 VHAP Program Questions Explained
- 01:01:00 Debt-to-Income Ratio Explained
- 01:03:40 Timeline: EasyBuy Vs. One-Time Close Rate Locks
- 01:07:28 Contact Information - Wagon Hill Home Loans
- 01:08:07 Wrap-Up & Goodbyes
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