Homebuilder Banking

Single-family, townhome, and mixed-use commercial real estate financing

Wells Fargo understands your financing needs as a homebuilder are unique, and we strive to help you succeed financially.

We believe in building strong relationships with our clients, which is why when you work with us you'll have a single point of contact. This means you can more easily access our expertise and broader bank capabilities to explore other relevant banking solutions for immediate or long-term project needs.

Our customers include:

  • Experienced regional, middle-market, national, and institutional homebuilders (public and private)
  • Real estate developers with cycle-tested balance sheets to support their respective levels of land development and construction risk
  • Public and institutional profile builders with complex capital structures
  • Individual funds and financial sponsors with history and scale to support development risk
  • Homebuilders of single-family and townhome communities, as well as mixed-used commercial real estate

We offer builder debt facilities structured as:

  • Entity/Enterprise level lines of credit
  • Project-specific financing
  • Borrowing base structures
  • Single-family for-rent projects

Our loan terms include:

  • $10 million – $100+ million
  • One to three years+
  • Project-specific A, D, and C, or borrowing base governance

We also can help you with:

  • Treasury and cash management services
  • Consumer mortgage products through Wells Fargo Home Mortgage
  • Investment banking capital markets, capital advisory, and capital raising through Wells Fargo Securities, LLC
  • Real estate loan syndications

Regardless of the size or complexity of your project, we can customize a financing solution to fit your business. Our experts will work with you to ensure you receive optimal financing for your unique needs.

Property expertise

We have specialized lending groups with specific property expertise ready to help you finance your project.

Disclosures

    Investment and Insurance Products are:
    • Not Insured by the FDIC or Any Federal Government Agency
    • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
    • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

  • Wells Fargo Corporate & Investment Banking (CIB) and Wells Fargo Securities (WFS) are the trade names used for the corporate banking, capital markets, and investment banking services of Wells Fargo & Company and its subsidiaries, including but not limited to Wells Fargo Securities, LLC, member of NYSE, FINRA, NFA, and SIPC, Wells Fargo Prime Services, LLC, member of FINRA, NFA and SIPC, and Wells Fargo Bank, N.A., member NFA and swap dealer registered with the CFTC and security-based swap dealer registered with the SEC, member FDIC. Wells Fargo Securities, LLC and Wells Fargo Prime Services, LLC, are distinct entities from affiliated banks and thrifts.

    • Equal Housing Lender
  • RO-4972721

  • LRC-1125