Andrew Miller
Andrew Miller Branch Manager NMLS #136423 Call Today (704) 231-3991

Is a Construction Loan Right for You?

Get a Quote on a Construction Loan. Get Started Today!

Two-Time Option Available

15-Year Fixed Rate Mortgage


  • Conforming loan amount
  • Max loan to value 95% with a minimum credit score of 680 (Primary Residence)
  • Primary or Secondary Home 1 unit SFD
  • No requalifying at modification within the 9 month construction term (Lender will verify employment at time of modification)


  • Loan amount per FHA county loan limit
  • Max loan to value 96.5%
  • 15 & 30 year fixed rate option
  • Primary owner occupied 1 unit
  • No requalifying at modification
  • Minimum FICO Score is 640


  • Max loan to value 100%
  • 15 & 30 year fixed rate option
  • Primary owner occupied 1 unit
  • Minimum FICO Score is 640 (Subject to Veterans Eligibility)


  • No Lender Retainage
  • Flexible Draw Schedules
  • Competitive Rates And Frees
  • Interest Only Payments During Construction
  • Lot Equity Accepted For Down Payment On Most Programs


  • Specialized underwriting and processing
  • Closing turn time within 30 days of receiving contract, plans and specs
  • Simultaneous close for lot purchase and construction financing available
  • 9 month construction term
  • No BOR's (Builder of Record). A builder in the industry will be required on all transactions
  • Monthly payment due during the construction phase will consist of accrued interest only
  • Interest only during construction with competitive rate

All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Guidelines subject to change.
VA loan subject to veteran's full eligibility.
USDA Program is for primary residence only and Income and Geographic limits apply.