Buyers who want to finance the construction of a new home then convert the loan to permanent financing when construction is complete can do so with one application,
one closing and one lender. A One Time Close program saves you, the borrower, time and money with only one-time closing costs.

We offer a variety of loan programs for construction, from long term fixed rate to adjustable mortgage programs. (There are loan programs available to build a spec home.) We use less paperwork and easy qualifications for builder approval. We can help you with the draw and inspection process during construction.

Common Construction Questions:

• What are the costs associated with a construction loan?
• How do I request and receive my draws?
• Who does the inspections?
• What is an interest reserve account?
• What is required to roll my construction loan to a permanent loan?

Contact one of our experienced loan agents to help explain the answer to all your construction questions.

Let us help you finance the home of your dreams!

Lot Loans

The lot loan will enable you to purchase “developed land” whether you plan to build your dream home right away or just want to make a real estate investment by owning land. “Developed Land”, as defined by the lender, is a parcel of land that has access to utilities, water and septic/sewer. Owning land is still such a great financial investment because of the continuing population growth and the lack of land available.

We offer many programs for both purposes. We can offer 20 year fixed rate mortgages as well as 2 year adjustable interest only programs for the client that is planning on building right away. We provide the flexibility of stated income programs.

The loan process for a lot loan is just the same as with any purchase transaction, with the exception of possible additional inspections such as well and septic inspections.