A Wealth of Information and Service - Contact a Loan Officer (800) 718-8906
A Wealth of Information and Service - Contact a Loan Officer (800) 718-8906
A construction loan is a short-term financing tool designed to fund the costs involved in building a real-estate development. These loans can be structured for both residential and select commercial projects and are available in a variety of formats—including conventional, unconventional, rehab, home-improvement, and one-time-close (construction-to-permanent) solutions..
Throughout the United States, many borrowers struggle to find lenders that understand unique project financing. Our network of lenders specializes in flexible underwriting, reasonable approval conditions, and service tailored to complex borrower profiles—especially self-employed, investor, or non-prime borrowers.
Our construction-to-permanent program consolidates both construction and permanent financing into one closing. This approach reduces closing costs, simplifies the financing process, and allows you to lock in a permanent interest rate for up to 12 months while construction is underway.
By handling both interim and permanent funding through a single lender, you avoid the complexities of converting from one loan type to another once construction is complete.
While your project is underway, funds are drawn to cover labor and materials. You typically pay interest only on the amount disbursed—not the total loan amount—helping ease financial strain when you may still be managing other housing or business obligations.
Once construction is finished, you’ll convert to the permanent mortgage—standard amortization begins, often over 15, 20 or 30 years.
Our construction-loan offerings are especially suited for:
Ready to explore your construction-loan options? Submit a simple form to connect with one of our experienced loan officers and begin the pre-qualification process—no credit inquiry required.
Contact a Loan Officer