About Us
Meet The Thomas Team
Powered by AnnieMac Home Mortgage, The Thomas Team specializes in helping families navigate USDA Construction-to-Permanent financing — from land purchase to move-in day.
Why We Exist
Our Mission
USDA Construction was founded with a single purpose: to become the leading online resource for USDA Construction financing in the United States. We believe that every qualified family deserves the opportunity to build a new home — and that the financing process should be clear, guided, and stress-free.
Ralph Thomas and Cynthia Thomas bring deep expertise in USDA construction programs to every client relationship. Their focus is not on volume — it's on education, guidance, and personalized service that helps borrowers make confident decisions.
Education First
We believe informed borrowers make better decisions. We take the time to explain every step of the USDA construction financing process.
Personalized Guidance
No two construction projects are the same. We provide tailored guidance based on your land, builder, income, and goals.
Transparent Process
From property eligibility to final closing, we keep you informed at every stage with no surprises.
Specialist Expertise
We focus exclusively on USDA Construction-to-Permanent financing — not a generalist lender, but a true specialist.
The People Behind USDA Construction
The Founders
Ralph Thomas
Mortgage Loan Originator
NMLS #370428 · AnnieMac Home Mortgage
Ralph Thomas is a Mortgage Loan Originator at AnnieMac Home Mortgage with specialized expertise in USDA Construction-to-Permanent financing. Ralph works directly with homebuyers, builders, and Realtors to navigate the construction financing process from initial eligibility review through final loan closing.
His focus is on helping borrowers understand their options, coordinating with builders to meet USDA requirements, and ensuring a smooth process from land purchase through move-in.
View AnnieMac Profile
Cynthia Thomas
Mortgage Loan Originator/Branch Manager
NMLS #363817 · AnnieMac Home Mortgage
Cynthia Thomas is a Mortgage Loan Originator at AnnieMac Home Mortgage specializing in USDA Construction-to-Permanent financing. Cynthia brings a client-first approach to every consultation, helping families understand income eligibility, property requirements, and the full construction financing timeline.
Her commitment to education and personalized service ensures that every borrower feels confident and supported throughout the entire process.
View AnnieMac Profile
Our Affiliation
Powered by AnnieMac Home Mortgage
USDA Construction is powered by The Thomas Team at AnnieMac Home Mortgage — a nationally recognized mortgage lender committed to helping families achieve homeownership. AnnieMac Home Mortgage provides the licensing, infrastructure, and resources that allow The Thomas Team to serve borrowers across Florida, Georgia, Alabama, Michigan, Indiana, and Kentucky.
USDA Construction is not affiliated with or endorsed by the United States Department of Agriculture (USDA) or any government agency. All loan products are subject to credit approval, income verification, and program eligibility requirements. This is not a commitment to lend.
Ready to Start Your USDA Construction Journey?
Schedule a consultation with The Thomas Team and let us help you understand your options.