Your dream house won’t come from a cookie cutter. You have a vision of a home that is uniquely your own. Maybe your looking for a lot, or maybe you already own the perfect piece of land—and you’re just looking for an architect and a builder who can make your vision a reality. Financing new construction differs from other types of mortgages. A construction-to-permanent loan, or an owner-builder loan, usually has two components. Initially, the loan covers the costs of construction materials and labor—usually for a predetermined period of time. When the construction is finished, the loan converts to a mortgage on the home.
The first step in obtaining construction financing is to qualify for the long-term mortgage. Then, a mortgage consultant with construction loan experience will review your plans—blueprints, contractors and suppliers, etc.—before granting the short-term loan to cover your construction budget. A percentage of this is usually secured by cash and/or land.
We can provide more detailed information on our land loans, construction, and construction-to-permanent loan programs and help you determine which is right for you.
Get Started Now
It's easy, secure and only takes a few minutes.Get Started
Our short video guide takes you step by step through the mortgage application process.Watch Now
What Our Customers are Saying
Hope all is well! It has been one week since settlement and we just once again wanted to say thank you for helping us through the mortgage process. We are very happy that Dan recommended you as you smoothly moved everything along and made this as painless as possible for us! Thanks for timely answering all of our questions and putting our best interests first. Hope you have a great 2017!~ M. & M. G.