One Time Close Construction Loan Program

The One-Time Close Construction Loan Program

The One-Time Close Construction Loan Program allows you to finance land purchase, modular home or barndominium construction, permits and site costs with one simple loan and one closing. Instead of juggling multiple lenders or re-applying mid-build, this program streamlines the entire process from planning to move-in, making it a smarter, less stressful way to build.
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Clayton modular home in the build process

What We Offer

The One-Time Close Construction Loan Program brings every major cost of your modular home or  barndominium project together under one loan and one closing, so your financing stays aligned with your build from start to finish.

Buy Your Lot (or Use Land You Already Own)

Finance the purchase of your land as part of the same loan or leverage land you already own as equity. This option eliminates the need for separate land loans and allows your project to move forward with a single approval and closing.

Buy Your Modular Home or ADU

Purchase a factory-built modular or ADU that is permanently installed and approved for mortgage financing. The cost of the home is bundled into your loan, avoiding cash payments or short-term financing during production.

Pay Your Contractor & Build Costs

Construction, site work, permits and contractor payments are funded through the loan and released in stages as the project progresses. This keeps your builder paid on time while maintaining a smooth, predictable timeline.
exterior of tiny home

Who is the One-Time Close Construction Loan Designed For?

  • Homeowners adding a modular home or barndominium
  • Buyers purchasing land + a modular home or barndominium
  • Families downsizing or multigenerational living
  • First-time buyers overwhelmed by construction loans
  • Investors looking for clean, predictable cash flow

How the One-Time Close Construction Loan Works

5 simple steps:

  1. Schedule a free consult and get pre-approved
  2. Lender reviews contractor, property, build type, and goals
  3. Structure the loan
  4. Loan process begins, fund management, draw schedule set
  5. Funds released as project progresses

One approval, one closing.

sleek and elegant kitchen overlooking ocean in an ADU

Are You Ready to Get Started?

Unlock your property's potential with our loan options. Our one time close construction loan makes it easy. Apply now and turn your vision into a reality!

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