At Three Creeks Reserve, we’ve redesigned the traditional construction lending process to eliminate the financial burden, personal risk, and double-closing hassles buyers normally face. Our Builder Construction Financing Program makes cabin ownership dramatically more accessible by reducing upfront cash requirements, preventing monthly interest payments, and keeping the loan—and the title—out of your name until your cabin is complete.
This is the modern, streamlined path to building a luxury cabin in Broken Bow.
How the Program Works
Stage-Based Equity Contributions (Only 15% During the Build)
Instead of a heavy upfront deposit, your investment is spread across four simple milestones:
That’s only 15% total during construction, paid directly to TCR.
These contributions are non-refundable, but they are credited toward the final down payment required by your lender at closing.
Remaining Down Payment Due at Closing
The remainder of your down payment will be determined between you and your end lender.
If your lender requires 20% down, your 15% in milestone contributions simply counts toward that total.
You pay only what you need to—exactly when you need to.
How Other Builders Usually Do It (And Why Buyers Struggle)
Most builders follow a traditional model that puts cost, responsibility, and risk entirely on the buyer:
Buyer carries full risk of:
Buyer must go through two closings:
This traditional process creates a significant cash outflow and exposes the buyer to unnecessary risk and stress.
How the TCR Program Removes Friction, Risk & Upfront Cost
You do not secure or guarantee a construction loan upfront.
We finance the entire build.
You avoid underwriting, construction inspections, bank fees, and early paperwork.
Because you’re only contributing 15% during construction, you can:
Avoid putting 20% down immediately
Keep your money invested
Save over time as construction progresses
Your capital stays flexible—and productive.
Unlike traditional construction loans, you pay no interest out of pocket during the build.
Your total interest exposure is capped and already baked into the fixed purchase price, which:
Protects your budget
Eliminates risk from interest rate swings
Reduces financial uncertainty
Your name is not on the loan or title until the project is complete and ready for permanent financing.
This means:
Less personal risk if something unexpected happens
More time to prepare financially
A far cleaner and smoother closing process
With traditional construction lending, buyers close twice.
With TCR:
You close once — at the end.
This saves time, money, and complexity.
Why Buyers Love This Program
Our financing approach is specifically designed to make luxury cabin ownership practical, predictable, and accessible:
It’s the most buyer-friendly financing model in the Broken Bow market—and one of the reasons TCR stands apart as the premier luxury cabin development in the region.