
Financing Options
for Your Construction Project
We are committed to helping you bring your dream home or renovation project to life-not just with expert craftsmanship, but with smart, accessible financing solutions. That's why we've partnered with U.S. Bank to offer our clients a convenient and flexible Construction-to-Permanent Mortgage program.
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Whether you're planning a custom build, a major renovation, or even a full tear-down and rebuild, this financing option provides a streamlined and efficient way to secure the funds you need, all with the peace of mind that comes from working with one of the nation's most trusted lenders.
Construction-to-Permanent Mortgage
The U.S. Bank Construction-to-Permanent Mortgage is designed for homeowners who want simplicity and flexibility. It covers everything from the purchase of land (if applicable) to construction and then seamlessly converts into a standard mortgage when your project is complete.
Key Features:
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Fixed or Adjustable-Rate Options: Available for both primary residences and second homes.
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Flexible Down Payment Options: Use your land or property as equity toward your project.
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Interest-Only Payments During Construction: Helps keep your costs low during the build phase.
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Easy Conversion: Automatically converts to a fully amortized mortgage after construction is complete.
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Versatile Use: Ideal for new builds, major renovations, or tear-down and rebuilds.

Why Choose a Construction-to-Permanent Mortgage?
This all-in-one loan option was created with homeowners in mind-simplifying the financing process while helping you save time and money.
One-and-Done Closing
Unlike traditional loans that may require multiple closings, this program allows you to pay closing costs just once. That's less paperwork, fewer fees, and more peace of mind.
Lock in Your Interest Rate Early
Worried about rising interest rates? With this loan, you can lock in your rate when your loan closes-right at the start of construction-based on your credit, income, and financial profile.
Simplified Documentation
With just one application and one closing, you'll only need to submit your income, credit, and asset documentation once. Even better-those documents remain valid for up to six months, giving you time to focus on your build instead of reapplying.
No Prepayment Penalties
& Recast Options
Flexibility is everything when financing a home. U.S. Bank offers no-prepay penalties and recasting options to help you manage your payments long-term in a way that works for you.
Ready to Get Started?
If you're ready to explore financing options for your new construction or renovation project, we're here to help. Contact us today to schedule a consultation with our team, or we can connect you directly with Nicole Smith at U.S. Bank to begin your loan application.
Nicole Smith, NMLS 287879
Senior Mortgage Banker / Construction Certified / Affluent & Private Wealth Certified