Build Your Dream Home
Construction-to-permanent financing that moves with you from groundbreaking to housewarming. One loan, one closing, one simplified path to your new home in the Lowcountry.
How construction-to-permanent loans work
Choose Your Builder
Select from our network of trusted Lowcountry builders or bring your own. We work with custom homes, spec builds, and major renovations.
One Loan, One Closing
You get a single loan that covers both construction and permanent financing. No duplicate closings, no double fees, no hassle.
Draws During Construction
Funds are drawn in stages as construction progresses. You only pay interest on the amount drawn, not the full loan amount.
Automatic Conversion
Once construction completes, your loan automatically converts to permanent financing. No re-qualification, no new closing.
Why builders choose construction-to-permanent
One-Time Closing
Single loan covers construction through permanent financing. One set of closing costs, one closing date, done.
Interest-Only During Build
Only pay interest on funds drawn during construction. Lock your rate upfront and avoid market volatility.
Rate Protection
Lock your permanent rate before construction begins. Don't worry about rate increases while building your home.
Flexible Draws
Draw funds as needed with professional inspection releases. Transparent process keeps your builder on track.
What you need to qualify
- Land equity or signed land purchase contract
- Approved building plans and specs
- Licensed general contractor with builder's risk insurance
- Credit score typically 680+
- Debt-to-income ratio typically 43% or less
- Cash reserves for construction phase
Building in the Lowcountry?
We work with experienced local builders who understand coastal construction, permits, and the unique challenges of building in Beaufort County.
Get Builder RecommendationsYour Dream Home Starts Here
Whether you're building a custom home on the water, a family home in Belfair, or a retirement retreat in Sun City, we make construction financing simple.
Construction loan questions
Ready to build in the Lowcountry?
Let's discuss your construction-to-permanent options and connect you with trusted local builders.
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