Salt Lake City, Utah

Welcome to a unique alliance built specifically for Utah’s residential builders. At Rate Companies, in collaboration with CFUND and The Munford Team, we bring you the resources, experience, and strategic capital solutions to take your acquisition, development, and vertical construction projects to the next level.

As part of the robust network under Rate Companies is backed by stability, expertise, and a deep commitment to serving our community’s home builders. Our financing professionals are poised to provide personalized solutions that align with your project timelines and financial objectives.

With over 60 years of combined expertise in residential and commercial lending, our team knows what it takes to structure financing that meets your project needs and exceeds expectations. We speak your language—from entitlements to closeout. 

We provide 360-degree coverage, including:

• Acquisition & Development (A&D) Loans
  Secure land and fund horizontal improvements with tailored capital solutions that align with your timeline, budget, and strategic goals.
   
• Vertical Construction Financing
  Build out subdivisions with confidence. We offer flexible draws, efficient turn times, and lender support throughout the construction lifecycle.
   
• End Financing for Homebuyers
  Through Rate, your buyers will have access to long-term mortgage products, creating a seamless path from construction to closing—ensuring a smoother experience for everyone involved. 

Specializes in flexible, fast commercial and builder-specific funding strategies. Working in tandem with The Munford Team @ Rate, and CFUND gives builders access to a suite of private capital and alternative lending options to support larger-scale or unconventional projects that don’t fit inside the traditional box.

Together, we offer the best of both worlds—institutional strength and creative capital—to bring your vision to life. CFUND

Led by Dan Munford, The Munford Team is a trusted name in Utah’s homebuilding finance scene. Our mission is clear:

“Help homeowners build wealth through real estate—starting with the right financing and smart debt management.”

We serve as a long-term partner, from dirt acquisition to the day keys are handed over. Builders rely on us not just for funding—but for insight, advocacy, and strategy.