The Lowest Mortgage Rates & Fees. Home Financing Direct
0% AND 5% DOWN OPTIONS

One-Time Close Construction Loans

We are proud to offer the best new construction loans in the industry for both conventional and VA loans.

happy couple getting a construction loan

One-Time Close
New Construction Loan

3 Important Things to Know

  • Low Minimum Down Payment

    You can put as little as 5% down for our conventional construction loans or even zero down for our VA construction loans.

  • One Loan Approval

    After getting approved for your construction loan, you will not need to get approved again after your new home is complete.

  • Flexible Credit Requirements

    The minimum credit score for our conventional construction loan is 700, and the minimum score for our VA construction loan is 580.

Benefits of Our
Construction Loans

Here are a few of the many great benefits our one-time close construction loan offers.

  • Lowest Interest Rates

    When it comes to construction loans, we offer some of the lowest interest rates you’ll find on the market.

  • Easy & Straight Forward Process

    While other lenders require extensive documentation and for you to jump through numerous hoops, we make our loan approval process quick and easy!

  • Low Down Payment

    While most construction loans require at least 10-20% down, ours allows you to finance your new home with just 5% down (conventional) or zero down (VA).

  • Home Builder Vetting

    We have a quick and efficient process to vet builders and to ensure your builder is credible and properly licensed and insured. The process only takes 3 days.

  • Interest Rate Float Down

    If interest rates are lower when your new home is complete, you’ll be eligible for an interest rate float-down before converting to permanent financing.

kitchen the best construction loans on the market

See How Low of a Rate We Can Offer You

We offer some of the lowest construction loan rates on the market. Get a free custom quote today. Requesting a quote takes less than a minute to complete!

new-home-conventional-loan

CONVENTIONAL

Construction Loan Parameters

  • 15 yr and 30 yr fixed loans as well as 7 yr and 10 yr ARMs
  • Primary, second, and investment homes
  • Max loan amount = $806,500
  • Minimum credit score = 700
  • Minimum down payment = 5%
new-home-va-loan

VA (Active military or veteran)

Construction Loan Parameters

  • 30 yr fixed and 30 yr jumbo fixed
  • Primary residence only
  • Max loan amount = $4 million
  • Minimum credit score = 580
  • Minimum down payment = 0%
  • No owner builders

FAQs

Answers to commonly asked questions about our one-time close construction loans.

Want to See How Low of a Rate We Can Offer You?

We offer some of the lowest construction loan rates on the market. Get a free custom quote today. Requesting a quote takes less than a minute to complete!

Still Have Questions About Our
Construction Loans?

We’d love to help answer your questions.

Client Testimonials