Construction loan

Financing to build, with a single closing that converts to your permanent mortgage when the home is done.

Foto: Adobe Stock (free collection) · Adobe Stock standard license · asset 505006284 · licensed 2026-09-06 under the Chris Does Photos account

Nota: Página en español pendiente: esta página se publicará en español después de la revisión de un oficial de préstamo bilingüe. A continuación se muestra la versión en inglés.

Who it's for

Buyers building on their own lot or with a builder.

How it works

Funds are disbursed in draws as construction progresses, with inspections at each stage.
One-time-close programs lock your permanent financing before you break ground.

What you'll need

Builder contract and plans
Lot ownership or purchase contract
Standard income and credit documents

Common questions

Do I make payments during construction?

Usually interest-only on the amount drawn.

Por diseño, esta página no muestra tasas, APR, pagos ni porcentajes de pago inicial. Esas cifras solo se publican con la divulgación completa exigida por la Regulación Z.

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