Build Your Home With One Easy Loan — One-Time Close Construction-to-Permanent
FHA / VA / USDA | No Re-Qualification | No Second Appraisal
Mortgage programs that make buying a home easier — whether you have limited savings and lower credit scores, or perfect credit and a strong financial foundation.
How One-Time Close Loans Make Building Easier
This program eliminates the need for multiple loans, extra approvals, and additional costs. With an all-in-one loan, your construction financing, lot purchase, and permanent mortgage are combined into one smooth process—no second appraisal and no re-qualifying once construction is complete.
Single Closing
Only one loan from start to finish.
No Re-Qualification Needed
Once approved, you're set all the way through completion.
Cost Savings
One appraisal, fewer fees, less stress.
Simplified Process
Everything handled upfront for a seamless build.
Who Qualifies?
Maximum LTVs:
FHA: up to 96.5%
USDA: 100% of market value
VA: 100% (excluding VA funding fee)
Minimum credit score: 620
Why Borrowers Love This Program
No payments required during construction
No re-qualification after construction
Single closing reduces overall costs
Realtor commissions are generally paid at closing (before construction begins)
Eligible Terms & Property Types
New multi-wide manufactured housing
Modular housing
1-unit stick-built homes
FHA: 15- & 30-year fully amortized fixed
USDA: 30-year fixed
VA: 15- & 30-year fixed
What’s Covered in
the Fee?
Construction interest
Construction draw inspections
Construction closing coordination
Construction underwriting
Title updates
Ready to Start Building Your New Home?
Get personalized guidance and see if you qualify for the One-Time Close program.
