Building isn't just a loan. It's a timeline.
One close. One loan. One team.
Land & permits
Secure your lot, pull permits, and finalize site plans. Your construction loan funds this first draw.
One-close loan
- 1 closing
- 1 set of fees
- Rate locked from day one
Two-close loan
- 2 closings
- 2x the fees
- Rate risk at conversion
Before you break ground — know this.
One loan or two?
One-close means one set of fees and no rate risk at conversion.
What can I build into the budget?
Most of these can be rolled into a single construction loan.
Already have a lot?
Either way, we handle it in a single construction-to-permanent loan.
Construction loans built for how you qualify.
FHA Construction
Low down payment, flexible credit requirements.
VA Construction
Zero down for eligible veterans and active duty.
Conventional Construction
Standard rates, broad builder eligibility.
Jumbo Construction
High-value custom builds beyond conforming limits.
Flexible Income Construction
Bank statements or asset-based qualification.
Five mistakes builders make.
Choosing a builder before financing
Pre-approval sets your real budget first
Not locking the rate early enough
We lock before ground breaks
Underestimating the timeline
We build in buffer for weather and permits
Skipping the draw schedule review
We walk you through every disbursement
Two separate closings
Our one-close loan saves thousands