A better built mortgage for your Better Built Home.

Better Built Homes can offer you a variety of innovative loan programs tailored to your individual needs through our financial partners. Our team of loan professionals can get you to a monthly payment you’re comfortable with and experience you can count on.

family visualizing a home
“Stop dreaming about the perfect home, live in it!”
Here are just a few of our most popular loan programs:

Fixed-Rate Mortgages

A good option for people who want the stability of a payment that won’t change. With a fixed-rate mortgage- at historic lows, your principal and interest payments remain the same for the duration of the loan.

Adjustable-Rate Mortgages (ARMs)

ARMs generally offer lower initial interest rates than comparable fixed-rate mortgages, which can increase your purchasing power. ARMs may make sense if you plan to move to another home or refinance in the near future. This allows you to take advantage of the lower initial rates and payments at the beginning part of your loan.

No Money Down Mortgages – USDA loans, VA loans

The $0 down programs can accelerate your purchase plans by allowing you to buy a home without the traditional 20 percent down. For more information on qualifying for a mortgage, please contact one of the following companies. Veterans and first time home buyers may qualify for this type of loan.

Below are Better Built Home’s preferred lenders – they are prepared to assist you in obtaining the proper financing for your needs.
Shelter Mortgage Company logo

What is the Shelter Advantage?

Our mortgages are originated, processed, underwritten and closed in-house which allows us to monitor our loans from beginning to end and ensures our customers experience a smooth financing experience and timely closings.

We understand buying a home is a big financial decision. We work hard to help our borrowers achieve the dream of homeownership.

Shelter Mortgage has been in the mortgage business since 1984. We specialize in all types of home loans: First-time homebuyer programs; FHA; VA; Rural Housing; and Conventional loans. We offer many options to find the best loan program for you.

Our team of professionals have decades of experience helping borrowers become homeowners.  Our goal is to provide our borrowers with great service and accurately disclosed figures, so there are no surprises at closing. We specialize in all types of home loans – First-time homebuyer programs, FHA, VA, Rural Housing and Conventional loans, we have many options to find the best loan program for you.

To apply for a loan, go to  We will be notified when you have completed the application.

Please note, we have Spanish speaking team members here at Shelter Mortgage.

Kent Winkelseth

Kent Winkelseth
Vice President / Sales Development

T: 407-765-3810

Mari Fumero

Yari Fumero
Junior Loan Officer

T: 407-897-6656 ext 16908

Shelter Mortgage Company, L.L.C. is an Equal Housing Opportunity Lender, NMLS # 431223 ( Loans will be made or arranged pursuant to our applicable license(s), which may be found at

“Building a better home means going beyond your expectations.”