When it’s time to build, we offer both one-time and two-time construction loans, depending on your needs. Our construction loans are also 12-month, interest-only loans, with the option to extend the term on a case-by-case basis if your project requires more time. As you complete each stage of construction, an independent inspector will verify the progress before releasing funds, and you’ll have the control to sign off on each draw before the money is distributed. This ensures transparency and accountability throughout the entire building process.

Once construction is complete, qualified borrowers can transition into a long-term mortgage with options including a 15- or 30-year fixed rate or a variety of adjustable-rate mortgage (ARM) products. We also offer flexibility in qualifying for these loans; if you have 30% or more equity in your current home, based on a recent appraisal or county tax valuation, we can exclude your existing mortgage payment from your debt-to-income ratio. This can make it easier to qualify while managing both current and future housing expenses.

Let us guide you through financing your new home in a sustainable, innovative community, with a process that’s designed to be simple, transparent, and tailored to your needs.