Construction Loans and Permanent Finance for Residential Properties
 Powerful "One Time Close" programs provide the convenience of construction financing, lot purchase and permanent loan, all wrapped in one. Why worry about re-qualifying, re-appraisals or incur additional closing costs?
Construction financing is a specialized field. To better serve your needs, your loan officer will work with you from the very beginning until the funding day, making the process smooth and seamless.
Do you want to build the home of your dreams? Did you know that you can lock-in today's low interest rates until your new home is completed?
Ask about a bridge-loan option that can utilize the equity in your present home until you are ready to move into your new home.
You have many mortgage options to choose from, including interest-only mortgage payments!
Step #1: Fill out a simple Client Questionnaire, which will allow us to assist you in choosing a loan program that best fits your income and payment needs … It's easy! Just complete the form and one of our Lending Experts will give you a free consultation over the telephone. There is no cost to you and no obligation, whatsoever.
Step #2: Get an idea of what your preferences are by filling out our Blueprint/Amenity Checklist. Before you select an architect and builder, decide what amenities are essential to you, and which ones are on your "wish list". With so many extra’s to choose from when building a home, it is extremely important to know the cost of things.
Step #3: Select a Builder. To assist you in the decision process, we have provided a Builder Selection Interview. You can also select our Get to Know Your Builder questionnaire for a more in-depth format of questions.
Step #4: Begin the process. You, your builder, and Integra Lending will each have items that we’re responsible for collecting and submitting for your final loan approval. The Loan Amount Worksheet will give you a starting point in determining your final construction loan amount. Some of our programs will require a "contingency for cost overruns", and some will require an "interest reserve" which will essentially eliminate the need for you to pay for interest costs that will accrue during the construction process. This worksheet assumes both, but please remember that not all of our programs will require them. Next, ask your builder to complete our Builder/Lender Review Form, so that we have a better understanding of their funding preferences during the construction of your dream home, as well as some background information about them and their business practices. Finally, our Custom Construction Checklist acts as a general list of forms and documents that we will need from you and your builder to complete you loan request.
If you are building in unincorporated Douglas County, our Douglas County Permit Fees worksheet will give you the approximate amount of estimated permit and plan check fees that you should expect to pay. These fees may change, so please confirm them with the county.
Looking for Home Floorplans? Visit Architectural Designs for a wide variety of plans and designs.
If you’re interested in learning more about the construction process, checkout the following books.
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