Specialized Financing for Your Custom Build
From foundation to final closing, get expert guidance and flexible construction loan programs.
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Specialized in Building Dreams
We focus only on construction financing. Our unique programs are designed specifically for the complexities of new builds, ensuring a secure and transparent process.
One-Time Closing
Combine construction and permanent financing into one loan, eliminating second closing costs and reducing hassle.
Flexible Draw Schedule
Fast, clear, and fair fund disbursements based on construction milestones to keep your project running smoothly.
Rate Lock Protection
Secure your permanent mortgage rate upfront, guarding you against market volatility throughout the build period.
Lot Equity Accepted
Use the value of your land or lot as part of your down payment or equity contribution towards the construction loan.
Construction Loan Fundamentals
Get informed with the essential knowledge needed to navigate financing your custom-built home successfully.
Types of Financing
Explore the differences between Construction-to-Permanent and Two-Time Close loans and find the option that best fits your risk tolerance and project timeline.
The Future-Value Appraisal
Understand how construction loans are appraised based on the projected completed value of the home, not just its current state.
Vetting Your Contractor
We require detailed contractor documentation (financial statements, licenses, and references) to protect your investment and ensure project stability.
Managing Payments
During the build phase, your payments are typically interest-only and only on the funds drawn, minimizing monthly outflow until completion.
Land and Lot Purchase
Our programs often allow the land purchase and construction financing to be rolled into a single transaction, simplifying your initial acquisition.
The Importance of Reserves
We guide you in structuring a contingency budget within your total loan amount to cover unforeseen costs or necessary change orders.
Your Path to a New Home
We've broken down construction financing into three straightforward phases.
Plan & Qualify
Submit your project plans and financial details. We verify your builder and issue a final approval, locking in your permanent rate.
Build & Monitor
Construction begins. We handle the timely funding (draws) to the builder based on inspector verification of milestone completion.
Close & Live
The construction loan automatically converts to your long-term mortgage. You move in and begin standard principal and interest payments.
Stop Dreaming, Start Building.
Your dedicated construction loan specialist is ready to review your project.
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