Does Bugle arrange financing?

No — Bugle is a builder, not a lender or a broker. We do publish the two local loan officers our clients most often work with, Jared Teel at Gesa Credit Union and Jason Kuettel at Idaho Central Credit Union, and you can apply with either directly. If neither suits the job, call us and we will recommend another local bank or credit union.

What do lenders usually want to see?

Typically a signed construction contract, a detailed budget, plans and specifications, and evidence the builder is licensed and insured. Our open-book estimate is built to satisfy that requirement.

Funds are released in stages as work is completed and inspected. We provide the documentation each draw requires so your schedule is not held up by paperwork.

Can I finance a shop or a deck?

Often, yes — though the product is usually different from a full construction loan. Home equity is a common route for smaller scopes. Talk to your lender early.

Paying for it

Financing,explained plainly.

How construction lending generally works, so you can have a useful conversation with your lender before you talk numbers with us.

Not financial adviceBugle Construction is a builder, not a lender or a broker. The loan officers listed below are referrals, and we receive nothing for making them. Nothing on this page is a rate, an offer or an approval — talk to a licensed lender about your situation.

Who our clients talk to

Two local loanofficers.

Bugle does not lend or broker. These are the two people our clients most often work with, both local and both used to construction draws — go straight to them, or call us and we will point you at a bank or credit union that suits the job.

Jared Teel

Sr. Home Loan Officer

Gesa Credit Union

Direct(509) 465-1289
Cell(509) 992-2587
Fax(509) 465-1290
jteel@gesa.com

Click here to apply

NMLS #1332979

Jason Kuettel

Mortgage Loan Officer

Idaho Central Credit Union

Helping Members Achieve Financial Success

Apply now

NMLS #2377852|Equal Housing Lender

Call for a local bank or credit union recommendation

(208) 457-7150

Common routes

Four ways peoplefund a build.

Construction loan

A short-term loan that draws down in stages as the build progresses, then converts to or is replaced by a permanent mortgage at completion.

Funds released against inspected draws
Interest usually charged on drawn funds only
Converts or refinances at completion

Construction-to-permanent

One closing that covers both the build and the long-term mortgage, which avoids paying closing costs twice.

Single closing
One set of costs
Rate locked at terms set by your lender

Home equity

For renovations, decks, shops and outdoor living, existing equity is often the simplest route rather than a construction facility.

Common for decks and remodels
Faster to arrange than a construction loan
Depends on available equity

Cash and staged builds

Some clients build in phases — shell first, interior later — to spread the cost without carrying finance.

Phase the scope, not the quality
Dry-in first, finish later
We sequence the build around it

What we can do for your lender

A signed contract, a line-item budget, plans and specifications, and proof of licensing and insurance. Our open-book estimate is already in the format most lenders ask for, which usually saves a round trip.

Financing FAQs

Commonquestions.

: No — Bugle is a builder, not a lender or a broker. We do publish the two local loan officers our clients most often work with, Jared Teel at Gesa Credit Union and Jason Kuettel at Idaho Central Credit Union, and you can apply with either directly. If neither suits the job, call us and we will recommend another local bank or credit union.

Get a numberyou can bank on.

Lenders want a real budget from a licensed builder. That is exactly what our estimate is.

Request a Quote (208) 457-7150