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Helping qualified borrowers purchase land, build new homes, and finance construction through USDA Construction-to-Permanent financing.
Serving Florida, Georgia, Alabama, Michigan, Indiana, Kentucky, and Tennessee.
What We Do
Specialized USDA construction financing guidance from land purchase through move-in.
Helping qualified borrowers finance the construction of new homes using USDA Construction-to-Permanent financing programs.
Review options for purchasing land and building a new home, combining land acquisition and construction costs into a single financing solution.
Determine whether a property or location may qualify under USDA guidelines before you commit to a purchase or build site.
Review household income requirements and USDA eligibility considerations to understand your qualification potential.
Work alongside your builder throughout the construction financing process, ensuring requirements are met at every stage.
The Advantage
Specialized expertise in USDA Construction-to-Permanent financing.
Streamline the process with construction and permanent financing structured together when available, reducing paperwork and closing costs.
Eligible borrowers may qualify for low down payment or no down payment options depending on program requirements and eligibility.
Focused exclusively on USDA Construction-to-Permanent financing — not a generalist lender, but a specialist in this program.
Serving borrowers across Florida, Georgia, Alabama, Michigan, Indiana, Kentucky, and Tennessee with personalized guidance.
Where We Work
Licensed to help qualified borrowers build in seven states across the Southeast and Midwest.
Our 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.
We're building the most comprehensive online resource for USDA Construction financing in the country.
Client Stories
Real stories from families who built their dream homes with USDA Construction financing.
Get Started
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.
