Finance your lot, your construction, and your permanent mortgage with a single One-Time Close loan — and one closing. Lock in your financing before the build begins and move in with confidence.
A traditional build often means two loans and two closings — one for construction, another for your mortgage. A One-Time Close Construction Loan combines them. You finance the land (if needed), the construction, and the permanent mortgage together, then the loan automatically converts to your long-term mortgage when the home is complete.
The home you've imagined, down to the last detail
Sign once. No second loan and no re-qualifying after your home is built.
Your terms are set before construction starts — protecting you from surprises down the road.
One closing means one set of fees instead of paying to close twice.
Where the program allows, interest-only payments during construction keep things comfortable.
When the build is done, your loan becomes your permanent mortgage — no extra steps.
Flexible loan types for primary residences and custom homes — we'll find your best fit.
We review your goals and budget and get your financing lined up — ideally before you choose a builder.
With your builder and plans in place, we close construction and permanent financing together.
Your builder draws funds as work is completed, and your loan converts to a mortgage at the finish.
Sooner than you'd think. The best time to talk with us is before you start meeting with builders. A little planning up front helps you set a realistic budget, understand your options, and shop with confidence.
Start the Conversation →Not necessarily. The program can finance a lot purchase along with construction, or build on land you already own.
After final inspection and Certificate of Occupancy, your loan automatically converts to permanent financing — no second closing required.
Yes. The One-Time Close program is available for Conventional, FHA, and VA loans on primary residences and custom homes.
We do. Your builder requests draws as work is completed, inspections verify the progress, and funds are released — so you can focus on your new home.
Tell us about the home you want to build. We'll walk you through your options and help you take the first step — no pressure, just guidance.
Talk to a Specialist →Michelle Moyer Thula · 803-348-5505 · Michelle.Thula@nafinc.com · www.impactlendinggroup.net · NMLS #1429332
