USDA Construction-to-Permanent Financing
Build Your Dream Home With USDA Construction Financing
Helping qualified borrowers purchase land, build new homes, and finance construction through USDA Construction-to-Permanent financing.
Serving Florida, Georgia, Alabama, Michigan, Indiana, and Kentucky.
What We Do
Our Services
Specialized USDA construction financing guidance from land purchase through move-in.
USDA Construction Loans
Helping qualified borrowers finance the construction of new homes using USDA Construction-to-Permanent financing programs.
Land + Construction Financing
Review options for purchasing land and building a new home, combining land acquisition and construction costs into a single financing solution.
Property Eligibility Review
Determine whether a property or location may qualify under USDA guidelines before you commit to a purchase or build site.
Income Eligibility Review
Review household income requirements and USDA eligibility considerations to understand your qualification potential.
Builder Coordination
Work alongside your builder throughout the construction financing process, ensuring requirements are met at every stage.
The Advantage
Why Choose USDA Construction
Specialized expertise in USDA Construction-to-Permanent financing.
One Time Close Financing
Streamline the process with construction and permanent financing structured together when available, reducing paperwork and closing costs.
Up To 100% Financing
Eligible borrowers may qualify for low down payment or no down payment options depending on program requirements and eligibility.
Construction Expertise
Focused exclusively on USDA Construction-to-Permanent financing — not a generalist lender, but a specialist in this program.
Multi-State Service
Serving borrowers across Florida, Georgia, Alabama, Michigan, Indiana, and Kentucky with personalized guidance.
Where We Work
States We Serve
Licensed to help qualified borrowers build in six states across the Southeast and Midwest.
Our Team
Meet The Thomas Team
Powered by AnnieMac Home Mortgage
USDA Construction is powered by The Thomas Team at AnnieMac Home Mortgage. Ralph Thomas and Cynthia Thomas specialize in helping borrowers understand USDA construction financing and navigate the process from land purchase through move-in.
Our goal is to simplify the construction financing process and provide education, guidance, and personalized service — becoming the leading online resource for USDA Construction financing in the United States.
USDA Construction Resource Center
We're building the most comprehensive online resource for USDA Construction financing in the country.
Client Stories
Helping Families Build Their Dream Homes
Real stories from families who built their dream homes with USDA Construction financing.
"Working with The Thomas Team made the entire USDA construction process clear and manageable. We went from raw land to our dream home without the stress we expected."
Client Name
Florida
"We had no idea we could build a new home with no down payment. The Thomas Team walked us through every step of the USDA construction financing process."
Client Name
Georgia
"From property eligibility to builder coordination, they handled everything. We are now in our brand new home in a rural community we love."
Client Name
Kentucky
Get Started
Schedule A USDA Construction Consultation
Ready to explore your options? Fill out the form below and The Thomas Team will be in touch to discuss your USDA construction financing goals.