Sell More Homes. Close On Time. Every Time.
Partner with a lending team that understands construction timelines, buyer qualification challenges, and what it takes to keep your projects moving. As an independent mortgage broker, Adam Bartling & Team shop multiple top lenders so your buyers get competitive options and payment certainty—with the personal service of a dedicated local partner who works for you, not a bank.
Tired of Lender Problems Costing You Money?
We’ve heard it all from builders—and we’ve built our process to eliminate these headaches.
❌ Buyers Fall Through at Closing
Last-minute financing issues kill deals and leave you holding completed homes. Our upfront underwriting catches problems early—not at the closing table.
❌ Rate Increases Kill Buyer Confidence
Rising rates during construction scare off buyers or reduce their purchase power. Extended rate lock options give buyers payment certainty from contract to close.
❌ Lenders Don’t Understand Construction
Generic lenders don’t get builder timelines, draw schedules, or spec home sales. We specialize in new construction—it’s what we do every day.
❌ Communication Black Holes
You can’t get status updates, your buyers are frustrated, and delays compound. We provide constant communication and work nights/weekends when needed.
Sound familiar? Let’s fix it together.
Why Partner with Adam Bartling & Team?
As an independent mortgage broker, we shop multiple top lenders so your buyers get competitive rates and the right loan for their situation—combined with dedicated, local service from a team that picks up the phone.
Army Veteran Owned
Retired Army Captain. Integrity, discipline, and commitment to getting the job done right.
New Construction Expertise
We specialize in builder loans—understanding timelines, draw schedules, and spec home sales.
Nights & Weekends
We work when you need us—not just banker’s hours. Your closings don’t wait.
We Say “Yes”
We move mountains to qualify buyers with credit, down payment, or income challenges.
How We Support Your Build Process
From pre-sale to closing, we align with your construction timeline—not the other way around.
Upfront Underwriting
We work to qualify your buyers at the START—not when you’re ready to close. Get firm answers early so you know the deal will stick.
Extended Rate Lock
Lock your buyer’s rate during construction with extended rate lock options. Payment confidence sells homes.
Constant Communication
Regular status updates for you and your buyers. We stay ahead of any changes, income updates, or potential delays.
Final Prep
We work hand-in-hand with you and your closing agent to ensure everything is squared away before the buyer arrives.
On-Time, Every Time
Our goal: zero delays. Your buyer closes when scheduled, you get paid, and move on to the next project.
Ready to Partner with a Builder-Focused Lender?
Let’s discuss how we can help you sell more homes, close on time, and increase your profits.
Loan Programs Your Buyers Need
We offer the full range of mortgage products—so your buyers have options that fit their situation.
Construction-to-Permanent
One loan covers construction and permanent financing. Simplifies the process for custom builds.
- Single close—one set of closing costs
- Lock rate before construction starts
- Interest-only during construction
- Converts to permanent mortgage at completion
Conventional Loans
Standard mortgages for qualified buyers. Flexible terms and competitive rates.
- As low as 3% down
- No PMI with 20% down
- Primary, second home, or investment
- 15, 20, or 30-year terms
VA Home Loans
Exclusive benefits for veterans, active military, and eligible spouses.
- $0 down payment required
- No monthly PMI
- Competitive interest rates
- Flexible credit requirements
FHA Loans
Government-backed loans with flexible requirements. Great for first-time buyers.
- Only 3.5% down payment
- Credit scores as low as 580
- Higher DTI ratios allowed
- Gift funds accepted
Builder FAQ
Common questions from our builder partners.
How does the extended rate lock work?
We can place your buyers with lenders offering extended rate locks during construction, so their rate is protected from contract through closing. Available lock terms vary by lender and program. This gives buyers payment confidence throughout the build.
What does “upfront underwriting” mean?
Unlike most lenders who underwrite at the end, we work to fully qualify your buyer’s loan at the START. This means you know early if there are any issues—not when you’re ready to hand over keys.
Can you handle spec home sales?
Absolutely. We’re experienced with spec homes and, because we’re already familiar with your properties and processes, we can keep financing moving smoothly.
What if a buyer’s financial situation changes during construction?
We monitor buyer files throughout construction and communicate any changes immediately. If issues arise, we work proactively to find solutions rather than discovering problems at closing.
Do you work with custom home builders?
Yes! Our construction-to-permanent loans are ideal for custom builds. One loan covers both phases, and we coordinate with your draw schedule.
How do I refer my buyers to you?
Simple—give them my direct contact info or schedule a three-way call. I’ll handle the rest and keep you updated on their loan status throughout the process.
What markets do you serve?
We serve Texas. My focus is Texas builders—particularly Houston, Dallas-Fort Worth, Austin, and San Antonio markets.
What makes you different from other lenders?
Direct access to me (not a call center), builder-specific expertise, upfront buyer pre-qualification, and the ability to shop multiple lenders to find the right fit for each buyer. Plus, we actually answer our phones.
Let’s Build a Partnership
Ready to discuss how we can support your building business? Reach out directly.
Contact Adam Directly
No gatekeepers, no call centers. You’ll work directly with me and my dedicated team throughout our partnership.
Adam Bartling & Team | Loan Officer NMLS# 2213358
Veteran-Owned · Serving Texas
Ready to Sell More Homes & Close On Time?
Partner with Adam Bartling & Team. As an independent mortgage broker, we shop multiple top lenders to get your buyers competitive options—with the dedicated, personal service your building business deserves. We work for you, not a bank.
🌎 Serving Texas