• Single Application & Approval – Apply once and avoid the hassle of multiple loan processes.

• One Set of Closing Costs – Pay closing fees just once, saving money compared to separate loans.

• Time-Saving – Streamlined process means fewer delays and faster project timelines.

• Rate Lock – Secure your interest rate upfront for the entire construction and permanent loan period.

• Simplified Financing – Covers land purchase, construction costs, and permanent mortgage in one package.

• Less Stress – Fewer documents, fewer deadlines, and less back-and-forth with lenders.

• Protection from Market Changes – Locking in terms early helps protect you if interest rates rise before your home is complete.

A One-Time Close Loan — sometimes called a Single Close Loan — lets you finance your dream home from start to finish in one streamlined package. It covers everything from purchasing the land to funding construction costs, all under a single loan.

Unlike traditional construction loans that require separate financing, multiple applications, and repeated closing costs, a One-Time Close Construction Loan combines every step into one process. You apply once, get approved once, and pay just one set of closing costs — saving time, reducing hassle, and often cutting expenses while bringing your vision to life exactly as you imagined.