Construction Home Loan
Build your dream home with a single-close construction loan that converts automatically to a permanent mortgage when construction completes.
What is 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).
Who qualifies?
This program is built for borrowers who match the criteria below. If you're not sure, send us a quick message and we'll confirm in minutes.
Talk To An Officer- Custom home builders
- Buyers of newly built spec homes
- Owners planning major additions
- Builders financing model homes
Key benefits
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 it works
Plans & Budget
Builder provides plans, specs, and a detailed budget.
Apply
We underwrite the construction loan and permanent loan together.
Draws During Build
Funds release in stages as the builder completes work.
Conversion
Loan converts automatically to your permanent mortgage at completion.
Frequently Asked
Get a personalized Construction Home Loan quote.
Tell us a little about your scenario. We'll come back to you with real numbers — within one business hour.
No commitment. No fees. No surprises.