Construction Loan

Turn Your Vision into Reality with Specialized Construction Loan Financing

Welcome to Construction Loans - your financing solution for building a custom home from the ground up. These specialized mortgages deliver funds at each stage of your project, turning architectural plans into the keys in your hand. Discover how construction financing can support your journey to a truly personalized home.

What Are Construction Loans?

Construction Loans are structured to fund new home builds in two phases:

  • Construction Phase: Funds are released in draws tied to project milestones—foundation, framing, roofing, and more—so you can pay contractors and suppliers as work progresses.
  • Conversion to Permanent Mortgage: After your home is complete, the construction loan seamlessly converts into a traditional mortgage, consolidating your financing into one long-term loan.

Why Opt for a Construction Loan?

  • Budget-Friendly Disbursements: Draw schedules align with construction needs, helping you manage cash flow and avoid large lump-sum payouts.
  • Interest-Only During Build: Pay interest only on the funds you’ve drawn during construction, reducing early-stage costs.
  • Custom-Tailored Terms: Loan structure adapts to your project’s specific scope, ensuring financing matches your build timeline and budget.

Navigating Construction Loans

Follow these essential steps to ensure a smooth construction loan process:

  • Consultation: Partner with a construction loan specialist who evaluates your project, recommends the best loan structure, and maps out a financing plan.
  • Budget Planning: Work with your builder and financial advisor to draft a detailed cost breakdown—knowing exact expenses at each phase keeps your project on track.
  • Credit Profile: A strong credit history secures better terms; review your score and address any issues before applying.
  • Documentation: Gather blueprints, contractor bids, project schedules, and financial statements—complete paperwork fast-tracks underwriting and approval.

Get in Touch with Us

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  • Phone Number

    (800) 396-1496

  • Email Address

    approval@todayshomemortgage.com

  • Address

    27 Orchard rd # 111, Lake Forest, CA 92630

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