BELLA VISTA LENDING EXPERIENCE.

“By the time homeowners visit with us,” says Bella Vista Company Partner Sara Haley, “most clients have already ‘shopped’ for a new home and discovered moving would be a lot more expensive than they imagined. Usually, we can renovate someone’s existing home—exactly the way they want it—for less than it would cost to move, and they can stay in the home that they love.”

Many people don’t realize the wide variety of lending options readily available to help finance the home of their dreams. Bella Vista Company and the home finance professionals at City Bank are happy to walk you through these options. Bella Vista has partnered with Patti Hawkins, a Vice President and Mortgage Consultant at City Bank Mortgage in Dallas, for many years.

Throughout her career, Hawkins has facilitated approval of close to 1,000 renovation and new construction home loans in our neighborhood. “She knows our market inside and out,” says Sara Haley. “Before the project gets started, Bella Vista will connect the client with me,” Hawkins says. “Often, the clients have ideas from TV shows, friends and magazines, they just don’t know much about how to finance their project.”

“I’ll give as much time as needed during the initial meeting talking through the client’s budget and ideas. Once they explain their financial goals, I’ll find a solution for their renovation or construction loan with comfortable terms and payment. Many people worry they’re going to be stuck with a peculiar loan their friends warned them about,” Hawkins says. “They’re concerned they’ll have a second lien with a very high payment, or they won’t have enough money to do what they really want with their home. But, in most instances, that’s not the case.”

Many homeowners don’t realize that when planning a home renovation, they don’t need to rely on the value of their existing home to determine how much can be borrowed. Instead, Hawkins says City Bank uses the “future value” of the renovated home as a basis for the new loan amount, providing a more accurate picture of what their remodeled home will be worth.

Just like Bella Vista specializes in home remodeling and ground-up construction, City Bank can handle just about any home mortgage, from home or lot purchases to renovation and refinance loans.

Need help figuring out the financing needed to complete your renovation or new-build venture? Contact City Bank’s Patti Hawkins, NMLS# 414006, at Patti-Hawkins.com or 469.964.0707, or visit Bella Vista Company’s website at BellaVistaCompany.com.

It’s amazing what can happen when you mix the best possible rate with our industry-leading experience. Get project ready and start your free pre-qualification today, and let’s find your best borrowing scenario!

• Construction to permanent

• One-time close construction

• Renovation & rehab

• FHA

• VA

• USDA

• Primary residences

• Second homes

• Doctor program

• Lot loans

• Bridge loans

• 2nd liens

• Investment properties

From new build to remodel, the team at Bella Vista Company is here to guide your way. We start by designing until you’re happy, and then we use our expertise to oversee the build every step of the way. Our talented team of builders and craftsmen work until every stick, brick and sink is just right.