The Mortgage Learning Center
Building your dream home should be exciting—not overwhelming. With the right financing, you can turn your vision into reality while keeping your budget and peace of mind intact. A One-Time Close Construction Loan offers a streamlined, cost-effective way to fund your new home from the ground up, all under one convenient package.
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Ready to build your new home and avoid the stress of taking out separate construction and mortgage loans? With a one-time close mortgage, home construction financing is easier, faster, and utterly straightforward. This article breaks down the most popular one-time close loan programs—so the path to a custom home feels easy, transparent, and tailored for anyone's needs.
A One-Time Close (OTC) New Construction Loan combines your construction financing and your permanent mortgage into a single loan with one closing. Unlike traditional construction loans that require two closings (one to start construction and another to convert to permanent financing), this product lets you avoid the second round of closing costs and paperwork.
Fill in your information below to receive the guide. The Manual contains many options – including up to 100% financing (NO Money Down) on your home purchase.

117273, MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER.
117273, MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER.