Loan Programs

Construction Loans: Build Your Vision

Whether you're building a custom home or undertaking a major project, our construction loan programs provide the financing you need to bring your vision to life.

Traditional Construction-to-Permanent

Our construction-to-permanent loans simplify the building process by combining construction financing and the permanent mortgage into a single loan with one closing.

Construction-to-Permanent Benefits:

• Single closing reduces costs
• Lock in your permanent rate upfront
• Interest-only payments during construction
• Convert to permanent loan automatically

How It Works:

1. Construction Phase: Draw funds as needed during construction
2. Interest-Only Period: Pay only interest on drawn funds
3. Conversion: Automatically convert to permanent mortgage upon completion
4. Permanent Phase: Begin regular principal and interest payments

Jumbo Construction Financing

Building a luxury custom home? Our jumbo construction loans provide the financing capacity you need for high-end projects with the same streamlined process.

Jumbo Construction Features:

• Capacity for large custom builds
• Flexible draw schedules
• Professional builder networks

VA Construction Loans for Veterans

Veterans can build their dream home with no down payment using VA construction loans.

VA Construction Advantages:

• 0% down payment
• No PMI required
• Competitive rates

Program Highlights:

• Minimum Down Payment: 10% (0% for VA)
• Property Types: Single-family, condos, townhouses