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A construction to permanent loan is a specific mortgage vehicle used to build a new home. This loan has multiple functions that allow you to go through the entire build process. Once the home is built the loan is modified to make your full mortgage payments.
There are many mortgage products, and programs for borrowers for most circumstances. Depending on specific qualifications, and the qualifications of the property, 1st Signature Lending has programs that offer to finance up to 100%.
Every new home is a little different. On average we see construction take 8-12 months from the time the loan closes. If planning on buying a new construction home, we suggest planning on 8-12 months before moving in.
No. 1st Signature Lending works with vetted, approved build partners to ensure our customers receive their new home as planned and on schedule.
No, there are many steps required to build a new home. Shopping and securing land can be a long process, but there are several action items to take to begin the journey. We look forward to helping everyone understand exactly where to start.
Yes, during construction a borrower may need to make payments while the home is being built. Some may choose to set up an account to make these payments during construction. Payments vary based on the size of loan, interest rate, and time needed to complete construction. Consult a mortgage loan officer to learn more.