Builder Direct by Southeast Mortgage

Helping builders grow
on their terms.

Construction capital, buyer marketing and on-time closings from one partner. Led by a builder who has spent 30 years on the job site, not just behind a desk.

BuildConstruction capital MarketBuyers to your homes CloseOn your schedule
Builder Direct: Helping Builders Grow on Their Terms, by Southeast Mortgage
Brad David
Talk builder to builder
Brad David
Vice President | SEM Builder Direct
No spec ratios
Lines built for spec builders
Faster draws
Technology-powered draw platform
Lot to closing
One partner from start to sale
Conv · FHA · VA · USDA
Closed on your schedule
Why Builder Direct

More than a lender.
A capital partner.

Most lenders show up when a buyer signs a contract. We show up at the lot, before there's a buyer, and stay through the closing.

The typical lender
Sells you a loan
Lends money
Waits for referrals
Competes on rate alone
Shows up at the buyer's contract
Leaves you to manage it all
Builder Direct Your partner
Consults and solves your problems
Partners on the capital you need to grow
Brings buyers to your homes
Competes on capital, buyers and closings
Shows up at the lot, before there's a buyer
A dedicated team led by a builder
Three ways we help

Build. Market. Close.
Start with any one.

Some builders need capital. Some need buyers. Every builder needs closings that happen on time. Builder Direct brings all three together, so the home you start with us is the home we help you sell.

01.
Build

Ground-up construction financing

Capital for your homes before there's a buyer, so you can start your next spec when you're ready.

  • Spec construction lines
    Built for spec builders, without the spec ratios traditional lenders require
  • Technology-powered draws
    A draw platform designed for speed, so your crews keep moving
  • Lot and developer structures
    Lot subordination options so you can start specs sooner
  • Presale programs
    Prequalified buyers, with every stakeholder connected
Your advantage: one partner from the lot to the closing table.
02.
Market

Digital marketing that brings buyers

The kind of marketing the national builders run, available to builders of every size, with no marketing department to build.

  • Geofencing
    Targeted ads around your communities and model homes
  • Community campaigns
    Campaigns built around each community's homes and incentives
  • Buyer lead capture
    Interested buyers routed to pre-approval quickly
Your advantage: more qualified buyers walking through your homes.
03.
Close

Buyer financing, closed on time

Your buyers pre-approved early and closed on your schedule by Southeast Mortgage loan officers.

  • Pre-approvals on SoutheastGO
    Buyers can apply and track their loan from our mobile app
  • Seller-funded buydowns
    Lower your buyers' payments to help your homes sell
  • Purchase loans
    Conventional, FHA, VA and USDA, closed on your timeline
Your advantage: fewer surprises between contract and closing.
Builder buydown programs

Buyers shop the payment.
Give them a better one.

The national builders lower their buyers' monthly payments through their own in-house lenders. A builder without that tool can lose the sale to one who has it.

Builder Direct gives builders of every size access to buydown programs, so you can compete on payment without cutting your price.

Built for small and mid-size builders. Our forward-commitment model gives growing builders a buydown option that has usually been reserved for the nationals.
Options for your buyers*

We guide each buyer to the option that fits

3-2-1
Three-year temporary buydown
A lower payment for the first three years that steps up each year, giving buyers time to settle in.
2-1
Two-year temporary buydown
A lower payment for the first two years before it adjusts to the full payment.
Permanent
Permanent rate buydown
A lower rate and payment for the full life of the loan.
And more
Forward commitments and custom programs
Structured around your community, your price points and your sales pace.
How it works: you fund the buydown as a seller incentive, and our loan officers walk each buyer through the options and close the loan.
*Buydown programs are subject to eligibility and program guidelines. See important disclosures at the bottom of this page.
How it works

Build. Market.
Close. Repeat.

Each piece feeds the next. Capital starts the home, marketing brings the buyer, and an on-time closing frees up your capital for the next one.

Build: capital gets your next home started before there's a buyer
Market: buyers find your homes and get pre-approved early
Close: every sale closed on your schedule
Each closing frees up your capital, and the next home starts with us.
BUILDER DIRECT BUILD Capital MARKET Buyers CLOSE Loans
Brad David, Vice President of SEM Builder Direct
Meet the builder behind Builder Direct

Brad David

Vice President | SEM Builder Direct

Brad is a second-generation spec builder and developer with 30 years in the business. He has stood where you stand: carrying specs, managing draws and waiting on closings so the next home can start.

He leads Builder Direct and works with each builder directly, from finding the right capital structure to making sure your buyers close on time.

He understands builders and speaks your language, because he's one of you.
Where we build

Local knowledge,
across the Southeast.

We work with builders in growing markets across Georgia and the Southeast, with loan officers who know the communities, the buyers and the builders.

Savannah & Statesboro
Georgia
Greater Savannah, Bulloch County and the surrounding area
Now building
Coastal Georgia
Georgia
Richmond Hill, Brunswick, St. Simons and St. Marys
The Lowcountry
South Carolina
Beaufort, Bluffton, Hilton Head and Charleston
Augusta & Athens
Georgia
Growing markets with active new construction
Metro Atlanta
Georgia
Home to Southeast Mortgage's headquarters in Duluth
Auburn–Opelika & Nashville
Alabama · Tennessee
Growing college-town and metro markets
Building somewhere else? Call Brad to talk about your market.
For real estate agents
Work with builders? Let's grow together.
Bring your builders a lending partner with capital, buydown options and on-time closings.
Talk to Brad
Let's talk

Tell us about your
next build.

Share a few details and Brad will call you, usually within one business day. No obligation and no long application.

  1. 1
    Tell us about your business
    About a minute. Where you build, how many homes, and what you need help with.
  2. 2
    Talk builder to builder
    Brad calls to learn about your projects, your capital and your buyers.
  3. 3
    Get a plan built around you
    Construction financing, buydowns for your buyers, marketing, or all three.
Brad David
Prefer to talk now?
Brad David
Vice President | SEM Builder Direct
(912) 690-5031
Name
Where you build
What can we help with?
Equal Housing Opportunity

Important disclosures

SEM Builder Direct is a division of Southeast Mortgage of Georgia, Inc., NMLS #103956, 3575 Koger Blvd., Suite 400, Duluth, GA 30096. Licensing information is available at NMLS Consumer Access. Equal Housing Opportunity.

This is not a commitment to lend. All loans, including construction, lot and purchase financing, are subject to credit approval, underwriting guidelines, property and project review, and program availability. Terms and conditions apply and are subject to change without notice. Not all products are available in all states or markets.

*Buydown programs: Temporary buydowns (such as 3-2-1 and 2-1) reduce the borrower's monthly payment for a limited period at the start of the loan. After the buydown period ends, the payment increases to the full amount based on the loan's note rate. Buydowns are funded by the seller or builder as a seller concession and are subject to program limits on seller contributions. Borrowers must qualify under program guidelines, which may require qualifying at the full note rate. Permanent buydowns require the payment of discount points. Eligibility, availability and terms vary by loan program.

Marketing services: Builder Direct marketing services are provided under a separate written agreement and are not conditioned on the referral of mortgage or other settlement service business. Buyers are always free to choose their own lender.

Southeast Go is a mobile app from Southeast Mortgage. Use of the app does not guarantee loan approval.