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 or institutional homebuilders (public or 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:

  • Lines of credit
  • Project- or entity-level loans

Our loan terms include:

  • $10 million – $100 million
  • Limited-recourse and recourse
  • 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
  • Insurance products arranged through a team in Wells Fargo Insurance that specializes in the homebuilder industry
  • Investment banking and capital market advisory through Wells Fargo Securities

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.