Fund the build, then let it become a mortgage.
A single-close construction-to-permanent loan can help you finance the construction of a new home and transition into a long-term mortgage with one streamlined loan.
We compare construction-to-permanent loan options across 100+ lenders to help you find the right fit for your building goals.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
One application. Better options. Simple process.
One simple application gives us what we need to explore the right construction-to-permanent mortgage programs for your unique situation.
1
Submit the documents
Upload the required documents to apply for a construction-to-permanent loan and move your file forward.
2
We Shop 100+ Lenders
We compare lenders and find the construction-to-permanent loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What a construction file needs
A licensed builder
Approved by the lender. This is usually the longest lead item.
Full plans and a fixed budget
Priced properly. Lenders read this closely and changes mid-build cause delays.
The land
Owned already, or being bought as part of the same transaction.
A credit history the lender can price
Underwritten to the permanent loan standard from the start.
Contingency in the budget
Builds overrun. Lenders expect to see room for it.
Patience
More moving parts than any other file in this silo.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
Your builder has to be approved too
It is not only you being underwritten. A builder who cannot produce the paperwork will stall the whole file.
Draws follow inspections
Money is released as stages complete, not upfront. Your builder needs to be able to work with that rhythm.
Overruns are the norm, not the exception
Build a contingency into the budget from the start. Adding cost mid-build is slow and sometimes impossible.
Nadeem Bhatti
Where we place construction-to-permanent loans
Maryland
Virginia
Washington DC
North Carolina
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What self-builders ask first
How does it become a normal mortgage?
Construction loan to mortgage conversion happens once the build is complete, usually without a second application. That is the main advantage over a two-time-close construction loan.
Can I use land I already own?
Usually yes, and its value can often count towards your deposit.
Do I choose the builder?
Yes, but the lender has to approve them. Choose someone who has been through the process before.
What if the build costs more than planned?
Build a contingency in from the start. Increasing the loan mid-build is slow and occasionally not possible at all.
Can I act as my own contractor?
Rarely. Most lenders require a licensed builder, and the ones that do not apply far tighter conditions.
Talk through the build before you commit
Tell us about the land, the plans and the builder. We will tell you how it structures, free.