Welcome to Morningkil Funding

Our goal is to provide Curtis Lumber builders with flexible construction loan services that help them successfully meet their business needs.

What is Morningkil Funding?

The Morningkil Funding is designed to provide construction loans to professional builders.

• Financing for up to 75% of appraised value including lot
• Competitive Interest Rates
• Closing costs that can be 100% financed
• A 1.5% Commitment Fee
• No monthly interest payments on pre-sold homes for the first 4 months
• Flexible loan terms
• Draw schedules designed to work with your specific plans
• A relationship with a company that you know and trust

Who is eligible for Morningkil?

Curtis Lumber Professional Customers who want to grow their business and need financing are the best candidates. We are looking for builders who can build homes in a normal time frame, have attention to detail, are experienced in ordering major product groups and have energy and drive to succeed.

Homeowners are not eligible for Morningkil

Eligible builders must have a Curtis Lumber Company charge account in good standing for at least 6 months (may be waived).

How do I know if I am a good fit for the program?

Those who qualify tend to meet the following criteria:

• Pay their Curtis Lumber account on time
• Have Builder's General Liability Insurance
• Is a New York entity (DBA, LLC, etc.)
• Have a good understanding of how to market a home
• Have attention to detail, experience and ability to build a home in 4-5 months
• Energetic about growing their business and making this work
• Are NOT building their own house
• Buys Curtis Lumber Company products and uses them and are not opposed to using
  groups not currently being purchased from Curtis Lumber Company

How do I know if my project fits the program?

While each project may have some unique elements, projects that qualify meet the following criteria:

• You are building a single family home
• You have a contract with your customer to build the home
• Your customer has secured a loan or can demonstrate that he has the funds to purchase the home
• The lot on which the home is to be built is in your business name
• The lot on which the home is to be built is free of liens or judgments. If the lot is currently mortgaged, we can include the lot release price in your construction loan and payoff the mortgaged amount

Are there other conditions that must be met?

Yes. Once Morningkil Funding determines that your business and the project you are seeking to fund are qualified for our program, there will be additional documentation needed to secure your financing.

You will be required to submit a loan application. The application also lists additional materials that must be submitted. Our loan representative will assist you in understanding these requirements.

Do you have Building Lots or Land to Sell? Do you need Land?

Morningkil Funding and Curtis Lumber have put together a program to unite buyers and sellers of land on our homepage. Thousands of builders and consumers visit CurtisLumber.com every month to research and plan their next building project. This is your opportunity to reach them!

Requirements:

• Open to Any Curtis Lumber Builder with a Curtis Cash or Charge Account in good standing
• Prepayment and complete submission of fees prior to the deadline
• Understanding that we reserve the right to reject any and all submissions for any reason

To view the current listings and view a sample, visit our Land For Sale page.

To signup for the program download our submission form.

Email Us

Be sure to visit our Credit Service Page for more credit information

For your convenience, the following forms are available to be emailed or faxed to us.

(You must have a Curtis Lumber Co., Inc charge account to apply for construction financing)
If you are already an existing Curtis Lumber Co., Inc. account holder, please proceed directly to the Application for Morningkil Consruction Financing PDF below.