How to Finance Your Custom Home in 2026

Building a custom home in Colorado? The biggest deal-breaker for most buyers is financing. In this video, Chris Beresford breaks down exactly how to finance a custom home in 2026 — including the real down-payment requirements, how to leverage land equity, the difference between a one-time close vs two-time close construction loan, and what lenders actually look for before approving your build. Whether you're designing a luxury home, planning to build on your own land, or just starting the custom home process, this guide gives you the real numbers, real expectations, and real steps to move forward with confidence. 🏔 In This Video: 00:00 – The #1 Deal-Breaker in Custom Home Financing 00:22 – Welcome Back + Why This Video Matters 01:06 – Why Lenders Require 20–25% Down 01:54 – Using Land Equity to Lower Your Cash Requirement 02:39 – How Appraised Land Value Adds to Your Equity 03:36 – One-Time Close Construction Loans Explained 05:51 – Locking Your Permanent Interest Rate Early 06:57 – Two-Time Close Construction Loans Explained 09:50 – What You Need Ready Before Applying for a Loan 10:39 – Why Lenders Evaluate Your Builder’s Track Record 11:40 – The Detailed Plan Set Lenders Require 12:36 – Cash Reserves: The Hidden Requirement 14:34 – Final Thoughts + How to Get Help If you’re planning to build a custom home in Colorado Springs, Monument, Black Forest, or the northern El Paso County region, this video will save you time, stress, and money. Thinking about building a custom home? I’d love to help. 📱 Call/Text: 719-203-1813 📧 Email: [email protected] Explore more Colorado Springs real estate insights: 🌐 https://explorespringshomes.com?utm_s... custom home financing how to finance a custom home construction loan explained one time close construction loan two time close loan how much do I need to build a custom home Colorado custom home builder Colorado Springs luxury homes build on your own land land equity down payment custom home cost 2026 Colorado real estate 2026 ➜➜➜ SUBSCRIBE FOR MORE VIDEOS ➜➜➜ Never miss a video about building a custom home, please subscribe to our channel & then hit the bell notification here ➜ https://tinyurl.com/COCustomHomes Check out our other channel all about living in Colorado Springs! https://tinyurl.com/BerisfordYouTube 🏔 Moving to Colorado Springs?🏔 Click the link below to download our FREE Colorado Springs Relocation Guide. https://tinyurl.com/COSrelocation