Build Your Dream Home — Without Wasting Thousands
Family Funding treats you like family — with better service, better rates, and exclusive loan options like our one-time-close EZBuild Loan.
- 5-Star Rated
- Licensed Lender
- Fast Closings
- Real Humans
Free · 60 seconds
See how much you can save
No credit check. A real advisor follows up — fast.
Why Family Funding
A lender that actually treats you like family.
We built Family Funding because home loans shouldn't be confusing, slow, or expensive.
Better Rates
We shop our network so you don't overpay. Real numbers, no gimmicks.
Faster Closings
Streamlined paperwork and a team that picks up the phone. Get in your home sooner.
Real Human Guidance
A dedicated advisor walks you through every step. No 1-800 hold music.
Transparent Process
Clear costs, clear timelines, no surprises. You'll always know what's next.
The Smarter Way to Build Your Home.
Most builders get tangled up in three loans, three closings, and tens of thousands in extra fees. EZBuild rolls it all into one loan, one closing — so you save real money and keep your sanity.
- One-time close — no double closing costs
- As little as 5% down
- Lock your rate early
- Tax advantage on construction interest
- Simpler, less stressful process
The Old Way
3 Loans · 3 Closings
- Land loan
- Construction loan
- End mortgage re-qualification
- 30% chance of failing on re-qual
$15k–$25k+ in fees
EZBuild
1 Loan · 1 Closing
- ✓ Single underwriting
- ✓ All terms locked upfront
- ✓ Auto conversion — no re-qual
- ✓ Faster project starts
$5k–$8k in fees
Loan Options
Pick the path that fits you.
Home Purchase
Buy your first or next home with confidence and competitive rates.
Learn moreRefinance
Lower your payment, shorten your term, or tap into equity.
Learn moreConstruction · EZBuild ⭐
One-time close. Save $10k+. Build the home you actually want.
Learn moreFHA · VA · Conventional
We have the right program for your situation. Veterans welcome.
Learn moreHow it works
A simple 4-step path home.
- 1
Apply
Quick online application. About 60 seconds.
- 2
Get Approved
We review fast and get you a real number.
- 3
Close
One closing. All terms locked. No surprises.
- 4
Move In / Build
Pick up the keys or break ground. Welcome home.
Trusted by homeowners nationwide
Real families. Real savings.
"Rick and his team felt like family from day one. We saved over $18,000 in closing costs with EZBuild and our build started weeks faster than we expected."
The Jefferson Family
West Des Moines, IA
"First-time buyers and we were terrified. They walked us through everything in plain English. Closed in 21 days."
Marcus & Tia
West Des Moines, IA
"We refinanced and shaved $312 off our payment. Family Funding actually answered the phone — that alone was worth it."
The Alvarez Family
Tulsa, OK
See How Much You Can Save
30 seconds. No credit check. A real advisor follows up.
- Personalized rate quote
- EZBuild eligibility check
- Zero pressure
Meet your advisor
Rick Davis — 40+ years making home loans simple.
Rick founded Family Funding because home lending was getting colder, slower, and more expensive. As a U.S. Marine, dad of 5, Papa of 8, & Grand Papa of 1, he believes you deserve straight answers and a real human in your corner.
- 44 years in lending
- 6,500+ new builds financed
- U.S. Marine Corps veteran
- Family-first values
Common questions
You asked. We answered.
Your future home is waiting.
Get pre-qualified in under a minute, or call and talk to a real human right now.