FHA Construction Loans.  3.5% Down!


The FHA  construction loan program allows for a low down payment and a 640 minimum FICO score.

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To learn more about FHA construction loans.

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Why choose our FHA Construction Loans?

Take advantage of an incredibly low down payment of only 3.5%.  If you already own your land, you may be able to build with no money down.  We follow FHA credit guidelines


Introducing the FHA Construction Loan!

Here are some of the highlights of the program.

3.5% Down Payment

Most construction loans require much higher down payments.  No money down is possible if you own your own land.

Include Land Cost

Purchase your lot and include both land and building costs into one loan.  Or build on your land that you already own.

Fast Closings

Average closing times are 45 days or less from date of contract acceptance.

Keep Your Realtor

Your Realtor can help find your lot and negotiate the construction contract.  Realtor commissions are paid at closing.

Great Support

Our in-house construction management team handles the loan processing and all draws to the builder.

Build it Your Way

You can choose your own Lot, Plans, Realtor, and Builder.  You're in control.

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Find out more information about FHA construction loans 


Buy Land or Build on Your Own Lot.

You can choose to purchase your lot and include both the land costs and construction costs in one loan.  Your down payment can be as little as 3.5% based on the total of the land plus construction!  If you own land presently, you can build on that land and use the lot value towards the down payment and closing costs.  In this case, you can build a home without any money out of pocket!


Low Down Payment Construction Loans

Many construction lenders require large down payments of 20% - 30% or more.  We will allow for down payments of 3.5% for FHA construction loans.  In addition to FHA, we also offer VA construction loans with 0% down, USDA construction loans with 0% down, and conventional construction loans with 5% down!  This can allow you to build a new home with little money down, and save funds for other costs such as moving expenses or home furnishings.

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