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Build A New Home

Your dream house won’t come from a cookie cutter. You have a vision of a home that is uniquely your own. Maybe your looking for a lot, or maybe you already own the perfect piece of land—and you’re just looking for an architect and a builder who can make your vision a reality. Financing new construction differs from other types of mortgages. A construction-to-permanent loan, or an owner-builder loan, usually has two components. Initially, the loan covers the costs of construction materials and labor—usually for a predetermined period of time. When the construction is finished, the loan converts to a mortgage on the home.

The first step in obtaining construction financing is to qualify for the long-term mortgage. Then, a mortgage consultant with construction loan experience will review your plans—blueprints, contractors and suppliers, etc.—before granting the short-term loan to cover your construction budget. A percentage of this is usually secured by cash and/or land.

We can provide more detailed information on our land loans, construction, and construction-to-permanent loan programs and help you determine which is right for you.


What Our Customers Say

We thought you should know about the outstanding job Paul Lindsay did on our most recent transaction. Our client obtained a mortgage commitment from another lender that went out of business - two weeks before settlement! Without    skipping a beat, Paul got them approved with Trident and to our client’s surprise and pleasure it was even a better deal. It was quite a challenge and he made it happen on time. Paul is truly an asset to our business, our office, and our company.

~ Joe & Donna Cragin, Realtors