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Construction to Permanent Loans

What are construction to permanent loans?

A construction to permanent loan represents more than just a financing option, it’s a straightforward path to homeownership that combines two crucial loans into one convenient package. The process begins with the construction loan, which supports the building of your dream home, then smoothly transitions into a permanent mortgage that eliminates the construction debt completely. These loans offer special features like a single-closing transaction, all created to make the home-buying process as straightforward and exciting as possible for today’s homeowner.

Construction to Permanent Financing

Embrace the simplicity of construction to permanent loan financing, where flexible options meet smooth transitions. This loan effortlessly guides you from construction financing into a permanent mortgage, making your home financing process as streamlined and straightforward as possible. It's your path to a dream home without the complexity!

Construction to Permanent Loan Options

Construction to permanent loans go beyond basic financing to become your pathway to homeownership. We offer a single loan that combines construction and permanent mortgage financing, giving you flexibility to finance independently or choose a complete package. This approach makes your transition from building to living smooth and straightforward, turning your dream home into reality through smart construction to permanent loan approvals.

Experience Affordable and Beautiful Homes with Our Preferred Builders

Our carefully selected construction to permanent home builders unlock a new level of satisfaction that transforms your vision into reality. You’re not simply building a house, you’re creating the foundation for countless memories and milestones. With our trusted builders and our construction to permanent loans, your vision becomes a beautifully designed, affordable home that reflects your unique style and needs. Quality construction meets stunning design, and it’s ready for you to make it your own.

allenberry

allenberry.com/new-homes-porches

Hutch Homes

hutchhomesinc.com

Landmark Homes

ownalandmark.com

McNaughton Homes

mcnaughtonhomes.com

Pine Hill Farm Preserve

pinehillfarmpreserve.com

Tamanini Homes

tam-homes.com

two construction workers holding a board
25+
Years of Experience
Why Choose Us

Building Your Dreams
One Home At A Time

Building Your Dream Home Made Easy with Construction to Permanent Loans

Construction to permanent loans offer a convenient and flexible solution for financing your dream home, providing funding for both the construction phase and the permanent mortgage in one easy-to-manage loan. With options for down payments, interest rates, and repayment terms, construction to permanent loans make it easy to customize your financing to fit your unique needs and budget.

Affordable and Seamless Home Building with Our Builder Partnership

We work closely with your builder to make your home building process affordable and stress-free. Our team will customize your financing, manage construction, and ensure that your dream home is built to meet your exact specifications.

Types of Construction to Permanent Loans

If you’re searching for a smarter, more cost-effective way to finance your home, then construction to permanent loans could be your answer. These loans are not just a trend but a growing movement in smart financing. They offer a path to make construction projects real without the usual financial fuss. You can pinpoint the perfect loan to fit your project by understanding the varied options. It’s a fresh approach to financing tailored to modern living, and it’s catching on fast!
Construction-to-Permanent Loan
Are you interested in building your dream custom home? Our construction-to-permanent loan program can provide up to 95% LTV for eligible borrowers, making it simpler than ever to finance your construction project. The financing is based on the upfront cost of materials and includes funding for investing in a modular home on owned land. This flexible solution can be customized to meet your specific needs. The draw requirements ensure your builder has the funds to keep your project on track and within budget.
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Long Term Lock
Our long-term rate lock program offers rate protection for up to 12 months, providing peace of mind as you navigate home-buying. With our program, you can lock in your interest rate at today's low rates, even if you don't plan to close your loan for several months. Additionally, our program includes a one-time, no-cost float down and product conversion, allowing you to take advantage of even lower rates if they become available.
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Land Loan
With a lot loan, you can finally secure the perfect location for your dream home! Our program requires only a 25% down payment for primary residences and 30% for second homes, making obtaining financing for your vacant land purchase easier than ever. While land loans can be challenging, our lot loan program offers a hassle-free solution, allowing you to focus on building the home of your dreams.
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Swing Loan
Don't let unexpected delays derail your home-buying plans! With a swing loan, you can stay on track to secure the down payment needed to purchase your dream home. While most homeowners try to time their purchases, things don't always go according to plan. Our swing loan program offers a flexible solution, ensuring you can confidently move forward and achieve your homeownership goals.
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Renovation Loan
For those looking to purchase or renovate a custom-built home, the renovation program provides financing options to cover the cost of repairs, renovations, and upgrades. The program ensures that the house remains in top condition and meets evolving needs, unlocking its full potential for years.
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Build with Confidence

We’re mortgage lenders who understand what finding the right custom home builder means for your unique project, and we handpick the finest professionals in the industry rather than simply offering names. These builders bring years of experience, reliable track records, and genuine commitment to superior craftsmanship, which matters because custom home builders seek partnerships with qualified borrowers who come prepared to initial meetings with the potential for better pricing and quicker project starts.

As active board members of the Builders Association, we stay ahead of industry trends while accessing valuable resources and insights that allow us to provide you with current, well-informed guidance. When you work with us on your construction to permanent loan, construction to permanent financing, or construction permanent loan, you’re gaining a partner dedicated to helping you select the ideal builder with every detail you need for a decision you’ll love. Your dream custom home built by a reputable professional isn’t just possible when you choose our construction to perm loan services, it’s a commitment we’re determined to deliver.

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Take a step closer to owning or building your dream home by reaching out to us through a message. Let’s connect!