Building For You Since 1985

We Can Finance Almost Any Project

Financing the construction of a home requires a different kind of mortgage than buying a new or older home. Here’s what you need to know about getting a construction loan.

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What Is a Construction Loan?

A home construction loan is a short-term, higher-interest loan that provides the funds to build a residential property. These loans usually last one year in duration.

A construction loan can be used to cover the cost of the land, contractor labor, building materials, permits or more if needed.

It is important to discuss specifically what will be included in your loan-to-value calculation items with your lender.

Construction loans can include a contingency reserve to cover unexpected costs that arise during construction. This also serves as a cushion in case the borrower wants to make upgrades after construction begins,

Home furnishings are usually not covered with a construction loan but permanent fixtures like appliances and landscaping can be.

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