Finance land, build costs, and permanent mortgage in one plan.
Construction loans help clients finance land, build costs, and then convert to a permanent mortgage, often in a single, streamlined one-time close structure. With many construction-to-perm programs, one closing covers both the short-term construction phase and the long-term mortgage, which can save on closing costs and avoid having to requalify once the home is finished. During the build period, borrowers often make interest-only payments as funds are drawn to pay builders and contractors, then the loan converts to a traditional fixed-rate or government-backed mortgage at completion.
No SSN required · Zero impact to credit · Never sold
This program is meant for borrowers who are not buying move-in ready inventory and need financing tailored to the build itself.
Instead of treating land, construction, and permanent financing like separate puzzles, the structure can bring them together.
New construction, renovations, and some land-development scenarios can all fall into this broader financing category.
Tap the button and answer a few quick questions, no SSN needed.
Aaron's team finds the sharpest program for your scenario.
Review and lock the rate and structure that fits your goals.
Clear communication every step until you have the keys.
Depending on the scenario, it can cover land purchase, building costs, and the conversion into a permanent mortgage.
No. Some programs can also support renovation or other project-based financing needs.
Because it is structured around a home being built or substantially improved, not just purchased as-is.
Schedule a call with Aaron Ehresmann, Loan Originator at West Capital Lending. He'll review your scenario, walk through your options, and map out the cleanest path forward, no pressure.