FINANCING & REAL ESTATE
Unlock your home today through our trusted lending and real-estate network.
Unlike Any Other Company
The Covenant Financing Process
At Homes by Covenant, we partner with leading banks, credit unions, and real-estate professionals to simplify every step — from pre-approval to closing. Whether you’re financing land, a modular home, or a combined build package, our process stays clear, coordinated, and efficient.
Our focus is simple: one plan, one team, one path to homeownership. By integrating real estate, construction, and lending from the very start, Covenant ensures that every detail — from credit pre-approval to land selection — fits together smoothly and sustainably.
In Partnership with AmeriCU Credit Union
We’ve teamed up with Erika Plumpton at AmeriCU Credit Union to make the financing step simple, transparent, and modular-ready. Through our dedicated mortgage partner, Erika Plumpton, you can get pre-approved quickly and explore FHA, VA, land-home loan options and construction loans designed for Covenant homes.
Erika Plumpton
Mortgage Loan Officer | NMLS# 1759409
With years of lending experience at AmeriCU Credit Union, Erika Plumpton helps families throughout Central New York find the right financing path for their new home or renovation. Specializing in modular-friendly, FHA, VA, construction loans, and land-home loans, she provides honest guidance, fast approvals, and clear communication from application to closing.
Streamlined Financing with Erika Plumpton at AmeriCU
Partnered to simplify modular and renovation lending
What Happens
Your financing journey begins with Erika Plumpton at AmeriCU Credit Union. Erika helps Covenant clients understand their options, get pre-approved, and align their budgets with their dream-home plans.
Together, you’ll review modular-friendly programs, discuss FHA, VA, and land-home loan solutions, and find the best financial path to make your build or renovation possible.
You’ll Receive:
A clear, no-pressure pre-approval conversation
Personalized loan options for modular, renovation, or land-home projects
A fast, direct connection between AmeriCU and Covenant
Guidance from pre-approval to closing with full transparency
By partnering with AmeriCU and Covenant, every client gains a smooth, connected process — financing and construction aligned under one coordinated system.
Pre-Approval & Budget Planning
Every great home journey begins with a simple conversation. No pressure — just honest guidance. Together, we’ll outline your goals, budget, and the type of single-family home that fits your life today and your plans for tomorrow. You’ll leave with a clear picture of what you can comfortably afford — and how we’ll help you make it home.
In Partnership with Keller Williams Realty Syracuse
Together, we’ll look at your goals, budget, and the kind of single-family home that fits your life today and your plans for tomorrow. You’ll leave with a clear picture of what you can comfortably afford — and how we’ll help you make it home.
Chris Raymond
Real Estate Salesperson | Client Relations
Serving Central New York real estate experience, Tiffany combines professional expertise with firsthand investment insight. As a Keller Williams Syracuse agent, she understands every step — from financing to closing — guiding clients through pre-approvals, contracts, and closings with clarity, confidence, and care.
Real Estate Representation by Christopher Raymond Licensed Real Estate Salesperson | Real Broker NY, LLC
Partnered to simplify modular home locations
What Happens
Your Discovery Call is where your home journey truly begins — where ideas turn into a clear, actionable plan. Christopher Raymond-Castro, licensed real estate salesperson with Real Broker NY, LLC, takes the time to understand your goals, priorities, and what “home” means for you and your family.
Together, we evaluate locations, property options, and financing paths that align with your lifestyle and long-term objectives — whether you’re purchasing land, building a modular home, or acquiring an existing property.
Christopher provides straightforward guidance through real estate and financing — no confusion, no pressure — just disciplined, professional execution. You’ll review pre-approval options, explore available programs, and understand how to align your budget with your purchase or build.
By the end of your call, you’ll have a clear understanding of your purchasing power, financing options, and the path from offer to closing. You’ll also gain access to a trusted network of lenders, attorneys, and development resources through Covenant Development Group, ensuring a seamless process from first call to final key.
Up Next → Feasibility & Site Review
We’ll walk your property or review potential lots to confirm what’s buildable, practical, and within budget — setting the foundation for your home’s design, permitting, and construction plan.
Site Planning & Location Review
Land & Location Specialist
Before design begins, we ensure your site and budget align seamlessly with your plan — confirming the ground is ready for your future home. Our team reviews zoning, access, and drainage, refining your project around verified site conditions. With local insight, we help identify lots that fit your goals and lifestyle.
Land & Build Integration
Role: Covenant Representative · Land & Location Specialist
What Happens
Your Land & Build Integration phase is where your vision takes shape — the moment ideas meet the ground they’ll stand on. Here, planning, budgeting, and on-site expertise come together to ensure your property is fully prepared to support the home you’ve envisioned. A Covenant representative meets you on-site or joins you to evaluate potential lots, identifying each property’s strengths, challenges, and opportunities. Every detail — from slope and drainage to utilities and access — is reviewed so you can move forward with confidence.
We begin with a full site evaluation, confirming zoning, utilities, drainage, and soil conditions. Our goal is to eliminate uncertainty before it affects your schedule or budget. We identify permits, setbacks, and grading needs, ensuring the site aligns with local codes and modular installation standards.
Next, we determine what’s buildable, what site work is required, and how that impacts your timeline. You’ll review clearing, grading, foundation prep, and delivery routes for your modular units. Finally, we align your budget and approvals with verified site data — refining every figure, confirming lender requirements, and ensuring each decision strengthens your long-term investment. This sets you up for success and allows everything to flow naturally. We walk with you every step of the way.
Up Next → Design & Floor Plan Selection
It’s time to bring your vision to life. Our design team will help you choose layouts, finishes, and features that match your lifestyle, budget, and the land you’ve approved.
Closing Paperwork & Escrow
Development & Design Team • Covenant Homes
With your design approved and financing secured, our team finalizes the details that make your build official. We handle contracts, escrow, and lender confirmations with precision and care. Funds are secured and allocated for construction, giving you confidence that your investment is protected and your new home is ready to begin.
Closing with Confidence
Role: Covenant Development & Finance Coordination Team
What Happens
With your design approved and financing secured, this is where everything becomes official. During the Closing & Escrow phase, our team finalizes the paperwork that turns your plan into a confirmed build agreement. Every document, signature, and deposit is reviewed with precision so you can move forward knowing everything is secure and in order.
We guide you through your purchase contract, escrow setup, and any lender-required verifications. Once deposits are placed into escrow, funds are safely allocated for land preparation, permits, and factory production. You’ll receive a clear breakdown of where every dollar goes — ensuring transparency and confidence from the start.
Our coordination team confirms all title work, insurance requirements, and scheduling details so your project transitions seamlessly from planning to construction. This is where Covenant locks in your build slot, confirms delivery timelines, and prepares your property for mobilization.
By the end of this step, everything is ready — financing, approvals, and logistics aligned. You’ll walk away with peace of mind knowing your investment is protected, your documents are complete, and your new home is about to take shape. Your journey is coming together and everyone is working together. Your home is about to come about.
Financing & Budget Confirmation
Once financing is finalized and escrow is complete, the Covenant Development team takes the lead. At this stage, every detail — from permits and engineering to scheduling and compliance — moves into our internal coordination system.
Official Preferred Lending Partner – AmeriCU Credit Union
Financing Made Simple. Modular-Ready.
Contact Erika Plumpton | Mortgage Loan officer
Office: 800-388-2000
Cell: 315-408-5365
erika.plumpton@americu.org
Office Location: 871 Arsenal Street, Watertown, NY 13601
NMLS # 1759409
You’ll be redirected to the official AmeriCU Mortgage Lending site
Real-Estate Salesperson – Serving Central New York
Land, Listings & Lifestyle Guidance You Can Trust
Christopher Raymond-Castro
Licensed Real Estate Salesperson
Real Broker NY, LLC
477 Madison Avenue, 6th Floor, Suite 648
New York, NY 10022
Cell: 315-643-0202
Email: build@homesbycovenant.com
Preferred Vendors & Collaborators
Together Building Central New York