Who We Serve

Fueling builder growth through smarter, faster spec–financing. We partner with privately held homebuilders ready to scale beyond traditional financing limits.

Whether building five homes or five hundred, our Spec Division helps fund projects faster, improve cash flow, and accelerate sales through strategic lending and exit–strategy support.

SPEC-POWERED-BY-VERTICAL-1

Our Builders

Our clients are experienced, growth-minded operators—often first- or second-generation builders who have completed several successful projects and are now expanding their footprint. They’ve outgrown local bank capacity and need a reliable, consistent partner who can keep pace with their vision.

        • 5-500 homes per year (most commonly 5-20)
        • Privately owned, non-institutional builders
        • Proven Track-Record: 3-5 successful exits of similar projects the past 36 months
        • Looking to scale operations and increase spec production
        • Building entry-level, milestone and luxury specs

Where We Fund

We focus on growth-oriented suburban and infill markets across the country—areas where demand is strong, but access to efficient construction capital is limited.

Core Markets: East Coast (ME–FL), West Coast (CA–WA), ID, CO, TN, TX, UT

Market Traits:

      • Strong population & household growth
      • Active infill & suburban development
      • Local banks tightening construction exposure
Wherever builders are growing faster than their lenders can keep up, we show up.

What We Finance

Home Type Price Range Description
Entry-Level / Production $300K-$600k High-velocity homes with fast absorption
Mini-Jumbo Spec $700K-$1.5MM Higher-end specs with strong margin potential
Luxury Spec $2MM-$6.5MM+ Custom or semi-custom homes for select markets

 

Why Builders Choose CMG

• Speed: Quick approvals, streamlined draws, and predictable funding cycles

• Flexibility: Custom solutions for take-out, presale, and inventory management

• Strategy: Guidance on sales incentives, exit planning, and marketing execution

Our Ideal Partner

Builders ready to move beyond local bank limits—seeking a true lending partner that understands construction, acts quickly, and helps them sell faster, profit more, and reinvest sooner.
 
Experience
Mindset
Partnership
Profile
Not the first rodeo. Has been through a cycle or two in their day.  “Time is money.” Prioritize execution, not red tape. Clarity, communication, and long-term collaboration. Humble, growth-minded, financially disciplined operators.