The Thomas Team — USDA Construction consultation

Get In Touch

Schedule A USDA Construction Consultation

Fill out the form below and The Thomas Team will be in touch to discuss your USDA Construction-to-Permanent financing options.

Request Your Consultation

What To Expect

During your consultation, Ralph or Cynthia Thomas will walk you through USDA eligibility requirements, discuss your land and build plans, and help you understand your financing options — at no cost and no obligation.

  • Free, no-obligation consultation
  • Property eligibility review
  • Income eligibility overview
  • Construction financing options explained
  • Builder coordination guidance
  • Serving FL, GA, AL, MI, IN, KY

The Thomas Team

All loan products are subject to credit approval, income verification, and program eligibility requirements. This is not a commitment to lend.

Common Questions

Frequently Asked Questions

AnnieMac Home Mortgage

Helping qualified borrowers build new homes through USDA Construction-to-Permanent financing. Powered by The Thomas Team at AnnieMac Home Mortgage.

The Thomas Team

Ralph Thomas | Mortgage Loan Originator | NMLS #370428

Cynthia Thomas | Branch Manager | NMLS #363817

AnnieMac Home Mortgage

1596-D Crawfordville Hwy, Crawfordville, FL 32327

(850) 926-4044

NMLS #338923  ·  NMLS Consumer Access

States We Serve

  • Florida
  • Georgia
  • Alabama
  • Michigan
  • Indiana
  • Kentucky

© 2026 USDA Construction. All rights reserved. Powered by The Thomas Team at AnnieMac Home Mortgage.

Equal Housing Opportunity

Equal Housing Opportunity. 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. Contact us for complete program details and eligibility requirements.