Design it. Build it. Finance it. All in One Loan.

Build your home and finance it all in one step.

Construction Family Holding Building House

Finance your land purchase, construction costs, and permanent mortgage with a single loan and just one closing. By locking in your financing before construction begins, you'll know what to expect throughout the building process. You'll also benefit from the guidance of an experienced construction lending team, with financing options available for Conventional, FHA, and VA borrowers.

How Does Construction-to-Permanent Work?

  • 1 Get Approved

    A quick approval process helps you understand your budget and financing options before you break ground.

  • 2 Pick Your Plan

    Work with your builder to design the home you want. We'll structure the loan around your project.

  • 3 Build With Confidence

    Construction begins, and your loan funds the build in stages. Your loan officer keeps you informed along the way.

  • 4 Move In, No Refinancing Needed

    When construction is complete, your loan converts to a permanent mortgage automatically. This means it’s one loan and one closing from start to finish.

Frequently Asked Questions

Do I need two separate loans to build a home? Nope. A Construction-to-Perm loan covers the build and the mortgage in one loan with one closing.
Can I finance the land and the build together? In many cases, yes. Your loan officer can walk you through how it works for your situation.
What types of loans are available for new construction? Construction-to-Perm is available as a Conventional, FHA, or VA loan.
Do I have to refinance after my home is built? No. Your construction loan automatically converts to your permanent mortgage. No second closing required.
How is this different from a regular mortgage? A regular mortgage finances a home that already exists. This one finances a home you're building, then converts into your permanent loan.
What happens if construction takes longer than expected? Delays happen. Your loan officer can help you plan for timeline changes so there are fewer surprises. a home that already exists. This one finances a home you're building, then converts into your permanent loan.
I'm an agent. How do I explain this to a buyer who's never built before? One loan, one closing, and they get to build the home they want instead of settling for what's available. We'll help you walk them through it.