Recent/Related Changes
Better rates and higher likelihood projected for 2026–2027.
Financing
Financing your build
We now have new one-close construction loan financing available at current market rate during the build, with lower rates coming out prior to excavation of your new home in the 1st and 2nd quarters of 2027! This will have an EFFECTIVE current construction loan rate coming out at 4.25% or less.
As for the 3rd and 4th quarters of 2026, virtually all of our purchasers are financing the lot purchase with an equity line of credit on their current home that they reside in now. Deposited funds, due at the time of signing, are being paid for in cash.
One-Time Close Construction Financing!
What Is a One-Time Close?
A one-time close construction loan, often called a “construction-to-perm” loan, is a type of mortgage that covers both the construction phase of a new home and its permanent mortgage once the construction is complete. Unlike traditional construction loans that require two separate closings (one for the construction loan and another for the permanent mortgage), a one-time close construction loan simplifies the process by combining both into a single loan.
Traditional construction loans, permed out at the end with the lender of your choice, are available as well.
Advantages
Financial Changes
Next Step
Contact Jim for an update.
Consultation
— determine the affected rate.