Now AvailableBuild the Home ofYour Dreams

Our construction home loans programs are designed to help you build and finance the home of your dreams. There are a variety of construction loan programs available. Programs are available for full construction and major additions.

Request a Consultation with a Construction Loan Specialist

By clicking the 'Learn More' button above, I authorize OneTrust Home Loans to contact me using an automated dialing system, even if the telephone number is a cellular phone or other service for which the party is charged. I understand that I am not required to provide this consent in order to obtain goods or services from OneTrust Home Loans. I agree to receive disclosures and communications in electronic form and I confirm that I have a working computer system and an internet website browser to view this webpage and this Loan inquiry form. I agree that OneTrust Home Loans may contact me by mail, telephone (mobile devices including SMS and MMS) or email in connection with my request even if my telephone number or email address appears on a OneTrust Home Loans internal Do Not Call / Do Not Email List, a State or National Do Not Call Registry, a Do Not E-Mail list, or any other Do Not Contact List.

Meet our Highly Specialized Construction Specialists

Building the home of your dreams is quite the project, with many moving pieces. Our team of Construction Specialists have years of experience in helping our clients build their dream homes. 100% of their efforts are focused on helping our clients stay on track with their home build. With so many parties involved, you'll want to work with a lender that understands the ins and outs of these programs, communicates well with you and the builders and can give clear directions on the next steps.

What are Draw Requests?

A construction loan is divided into draws for each phase of the construction process. The goal is to make progress payments from the construction loan funds to the contractor as work is completed. For example, building the framework and building the roof may be done with the funds from different draws. This is done to mitigate some of the risk. Our construction loans are serviced in-house, making it easy for timely draw requests and complete transparency on the status of the project.

Construction Loan Program Features

Icon 1

Available for full structure construction, swimming pools and additions

Icon 2

Options for both a one-time close, and a two-time close construction loan

Icon 3

Construction options for jumbo loans

Icon 4

Loan is made directly to the borrower on all construction loans

Icon 5

Interest-only options during construction

Who can use a Construction Loan?

Our construction loan programs are available to those looking to build their primary residence or even a second home or vacation home. We also have options if you're looking to build for an investment property.

What our clients say

  • Sara and her team works efficiently and is personally invested in their clients to help them achieve their goals and dreams of acquiring their dream home. Their attention to detail is 2nd to none and we are thankful we have them to guide us through these difficult and tedious obstacles to get financed for our new home! Thank you to you and your...

    - Michael Avila M.

  • Phil at OneTrust and along with Melody,the client manager accomplished a One Time close for new construction on a house that 3 other mortgage companies couldn't get done. The other 3 just didn't listen, we had Social Security income and 1099 self employed income that required a special amount of knowledge and Phil had that knowledge, he listened...

    - SHARON ABRAMS S.

  • Janet is the best! The entire process was made easy. If I had any questions or concerns she quickly found answers and solutions. My husband and I have been dreaming of a new build for a number of years now and this dream is becoming reality!! Thanks Janet and team for supporting us through the process.

    - Anna W. A.