Construction Loans

Prefer simplicity and predictability? Our One-Time Close Construction Loan combines both construction and permanent financing into a single application, approval, and closing—saving time and money.

Why Choose One-Time Close?

• One application, one approval, one closing
• Lock in your permanent rate upfront, before construction begins
• Interest-only payments during construction
• Automatically converts to a fixed-rate or ARM mortgage upon completion
• Loan amounts up to $2.15 million (with jumbo options available)
• Up to 95% loan-to-value (LTV) for qualified borrowers
• Up to 18 months to complete construction

This streamlined solution minimizes paperwork and uncertainty, helping you move from foundation to front door with confidence.

If you’re ready to break ground but want to keep your permanent financing options open, our Interim Construction Loan provides short-term funding just for the build.

Interim Construction Loan Features:

• Interest-only payments during construction, based on amount drawn
• Flexible funding up to $2.25 million (based on property value and loan-to-value ratio)
• Up to 18 months to build, with optional extensions
• Customizable terms for primary and second homes
• Approved builder required; inspections required for each draw
• Available for conforming and jumbo loans, with tailored credit and reserve requirements

This option is ideal for borrowers who plan to secure separate permanent financing at a later date, giving you the flexibility to finish your build and then refinance on your terms.