Build it once. Close it once.
Construction-to-permanent financing for custom homes, spec builds, and major renovations — with a single closing.
Two closings means two sets of fees, two appraisals, and two chances for something to go wrong. Our one-time-close construction loan locks your permanent rate before the foundation is poured and converts automatically when you get your CO.
- Down payments from 5% on primary residences.
- Interest-only payments during the construction phase.
- Up to 12-month build window with extensions available.
- Renovation programs: FHA 203(k), Fannie HomeStyle, jumbo renovation.
- Spec home and builder warehouse lines available.
Single closing, single set of fees, locked permanent rate up front.
We work with your builder's draw schedule and inspections.
Roll major renovations into your purchase or refinance loan.
Good to know
Your construction loan and permanent mortgage close together. When the home is complete, it auto-converts — no second appraisal or requalification.
Almost certainly. We vet builders for licensing and financial stability, then coordinate draws so they get paid on time.
Some programs allow owner-builder construction for experienced borrowers. We'll discuss the trade-offs.
Let's talk about your next move.
Whether you're buying your first home, refinancing, or building a portfolio — start with a no-pressure conversation.