Finance the lot, the build, and the permanent mortgage together — through a single One-Time Close Construction Loan designed to keep your project moving and everyone informed.
Most construction lending feels like paperwork. We built ours to feel like a partnership — clear timelines, predictable draws, and a team that knows construction.
Custom builds, financed start to finish
Get approved fast, understand exactly how you get paid, and access initial funding at closing. Your complete Builder Partner Guide lives here.
Open the Builder Guide →A program your clients will loe — and a partner who can help you win new-construction business before they ever meet a builder.
See the Realtor overview →Build the home you've imagined with a single loan, a single closing, and financing locked in before construction begins.
Learn about building →From approval to permanent mortgage — here's the whole journey on a single page.
We validate your builder so construction can begin on schedule.
Plans, specs, and project costs are reviewed and the loan is approved.
Construction and permanent financing close together — no second loan later.
Up to 10% of cost to build or $50,000 — whichever is less — disbursed at closing.Major head start
Work starts, backed by a dedicated construction team.
Submit a draw online; an inspection verifies completed work.
Approved draws are typically funded within ~5 business days.Get paid
Final inspection and Certificate of Occupancy complete the build.
Your loan automatically converts to permanent financing. Welcome home.
Finance lot, construction, and the permanent mortgage together. No second loan, no re-qualifying.
Specialists — not general mortgage processors — supporting you from approval through completion.
No guessing and no surprises. Everyone knows what's next and what it takes to get paid.
Request draws from anywhere through the OneSite Builder Portal — on a laptop or a phone in the field.
A top 1% nationally ranked originator, powered by the strength of New American Funding.
An initial disbursement at closing and material deposits help you fund the build with confidence.
The questions we hear most from builders, realtors, and buyers — answered in plain English.
It combines your construction financing and your permanent mortgage into a single loan with a single closing. You finance the lot (if needed), the build, and the long-term mortgage together — and when the home is complete, the loan automatically converts to permanent financing. No second loan, no re-qualifying, no second set of closing costs.
No. The program can finance a lot purchase together with construction, or build on land you already own. Either way, everything closes at once.
Conventional, FHA, and VA — on primary residences and custom homes. We'll help you find the fit for your situation.
Where the program allows, payments during the build are interest-only, which keeps them manageable while the home goes up. Full principal-and-interest payments begin once the loan converts to your permanent mortgage.
We do, through a transparent draw process. As each phase of work is completed, the builder requests a draw online, an inspection verifies the work, and funds are typically released within about five business days. You always know where the project stands.
After the final inspection and Certificate of Occupancy, your loan automatically converts to permanent financing. You get the keys — there's no second closing.
Reach out before you commit to a builder or a lot if you can — early planning makes everything smoother. Share a few details on our Get Started page, or call Michelle directly at 803-348-5505.
Whether you're a builder seeking approval, a realtor with a client, or a buyer dreaming of a custom home — we'll make the financing the easy part.
Get Started Today →
