The West/Pincombe Group, your specialists in Timber Frame financing, combined with the strength and resources of Merrill Lynch provide solutions to clients who wish to see their financial lives in total.

Building or renovating a home may be one of the largest projects you will ever undertake. Merrill Lynch Credit Corporation’s Construction-to-Permanent home-financing program offers a smooth transition from construction to permanent financing with only one application and one closing — saving you both time and money.

In most cases, custom-built home construction takes from 12 to 18 months. During this time, you will receive disbursements of funds to pay your builder for labor and material costs. Each month you will be required to pay only the accrued interest on the outstanding balance. Once your home is complete, your loan will convert to the permanent mortgage you selected during the application process.

Interest Only Financing Solutions
Home financing payment options that provide you with the flexibility to control your cash flow by reducing your initial monthly mortgage payments.

Adjustable-Rate Mortgages
Home financing that provides the flexibility you need to maximize cash flow and possibly qualify for a larger loan amount.

Blended Rate Mortgage
This innovative home financing solution offers an alternative to paying more for the security of a fixed-rate mortgage

Fixed to Adjustable Rate Mortgages
Home financing that offers the security of an initial fixed-rate period combined with the flexibility of interest-only payments.

Construction to Permanent Program
Home financing that converts easily from a construction loan to permanent financing.