Construction Home Loans

What is a Construction Home Loan?

Building your own home is a thrill — and a process. The right construction loan smooths every step from breaking ground to handing over the keys.

[Your Company] specializes in one-time-close construction-to-perm loans: you close once, pay one set of fees, and the loan automatically transitions to your permanent mortgage when the home is done.

During construction, you pay interest only on funds drawn. After completion, you settle into a standard 30-year fixed (or whatever permanent product you chose).

Build your dream home with a single-close construction loan that converts automatically to a permanent mortgage when construction completes.

Who qualifies for a Construction Home Loan?

This program is built for borrowers who match the criteria below. Not sure where you stand? Send us a quick message and we'll confirm in minutes.

• Custom home builders
• Buyers of newly built spec homes
• Owners planning major additions
• Builders financing model homes

Advantages of Construction Home Loans

• One Closing — Construction and permanent loan combine into one closing — one set of fees.
• Interest-Only During Build — Pay only interest on funds drawn during construction.
• Locked Rate — Rate is locked at construction closing — protect against rate spikes.
• Conventional, FHA, VA — Construction-to-perm available across most loan types.

How the process works

1. Plans & Budget — Builder provides plans, specs, and a detailed budget.
2. Apply — We underwrite the construction loan and permanent loan together.
3. Draws During Build — Funds release in stages as the builder completes work.
4. Conversion — Loan converts automatically to your permanent mortgage at completion.