Single-Close Construction Loans 100% Financing with Project Equity Down Payments from 5% All States in the US

Nationwide Single-Close Construction Loans & Custom Home Financing

Finance your lot purchase, custom home construction, and permanent 30-year mortgage in one seamless closing. If you already own your lot, your project equity can cover the down payment for up to 100% financing with zero duplicate closing costs.

Project Equity

Up to 100% Financing

One Closing

Save $10k+ in Fees

Rate Protection

Upfront Rate Lock

Loan Limits

Up to $3.5M+ Jumbo

Equal Housing Lender • Fast 2-Minute Pre-Approval • NMLS #769327

Flexible Financing Matrix

Specialized Construction Loan Programs

Every build is unique. As an experienced construction lender and active licensed General Contractor, we provide bespoke financing packages engineered to eliminate the stress of building custom homes nationwide.

Most Popular

Construction to Permanent Loans

Single-Close: Lot + Construction + 30-Year Mortgage in 1 Loan

Combines your land acquisition, construction financing, and permanent 30-year fixed mortgage into one seamless transaction with one closing before breaking ground. Eliminates duplicate fees and locks your rate for 12 to 18 months.

  • Down payments as low as 5% for primary residences
  • Existing project equity satisfies down payment requirements (up to 100% financing)
  • One set of closing costs & one subject-to-completion appraisal
  • Conforming, High-Balance, and Jumbo limits across all states
  • Interest-only monthly payments during 12-18 month build phase
0% Down for Veterans

VA 100% Construction Loans

True Zero Down Single-Close Financing for Eligible Military & Vets

Finance 100% of your lot purchase and custom home construction costs with $0 down payment and zero monthly Private Mortgage Insurance (PMI). Single-close construction to permanent loan protection.

  • True 0% down payment (100% total financing)
  • No monthly mortgage insurance (PMI) required
  • Available in all eligible states nationwide
  • Single-close rate lock protection before breaking ground
  • Up to 12 to 18-month construction draw schedules with GC vetting
Nationwide Lending

One Time Close Loans (OTC)

Nationwide Construction Lending Across All States in the US

One single closing event that permanently finances your construction project from start to finish. Avoid market refinancing risk, escrow delays, and requalification hurdles when moving into your new home.

  • Lending in all states in the US (Nationwide construction lending)
  • One single loan closing before ground-breaking
  • Floating-down rate lock options during construction
  • Seamless conversion to 30-year fixed rate mortgage upon Certificate of Occupancy
  • Flexible builder draw milestones managed by our GC advisory team
100% Financing Available

100% Project Equity Construction

Own Your Land? Build with $0 Cash Out of Pocket

If you already own your lot (free-and-clear or with an existing balance), the accumulated appraised equity in your project covers 100% of the down payment requirements. Finance 100% of building costs.

  • 100% construction financing possible using project equity
  • $0 out-of-pocket cash when project equity meets LTV guidelines
  • Appraisal based on future completed market value, not raw lot cost
  • Applies to primary residences, second homes, and vacation retreats
  • Pay off existing land debt directly through the single-close loan
Self-Employed / 1099

Bank Statement Construction Loans

No Tax Returns Required for Business Owners & Entrepreneurs

Designed specifically for business owners, contractors, and self-employed professionals. Qualify using 12 to 24 months of business or personal bank deposits rather than taxable net income.

  • 12 or 24-month bank statement qualification
  • Loan amounts up to $3.5M+ for custom luxury estates
  • Project equity can satisfy down payment requirements
  • No tax returns, W-2s, or 4506-C transcript hurdles
  • Flexible builder & architectural requirements
Luxury Builds

Jumbo & Second Home Construction

Custom Estates, Mountain Getaways & Coastal Retreats up to $3.5M+

High-balance and Jumbo single-close construction financing for luxury custom estates, ski chalets, lakefront getaways, and coastal properties nationwide with down payments from 10% or $0 with project equity.

  • Loan amounts up to $3,500,000+
  • Down payments as low as 10% (or 100% with project equity)
  • Extended 12-18 month build timelines for complex architecture
  • Vetted luxury custom general contractor draw management
  • Single-close rate lock protection across top vacation markets

Construction Loan Calculator

See how project equity and Loan-to-Future-Value underwriting allow you to finance 100% of your construction costs with $0 cash out of pocket.

Property Details

Existing land debt to roll in
$
General Contractor hard bid
$
$22,500 calculated
Single-close title & escrow
$

Financing Details

Appraised completed value
$

*Loan to Future Value leverages the future appraised value of your completed home.

How Project Equity Unlocks 100% Financing:

When the future appraised value is high enough, the maximum allowed financing covers your lot payoff, construction budget, contingency, and closing costs in full.

Calculation Results

Total Amount Needed:Lot Payoff ($100,000) + Construction ($450,000) + Contingency ($22,500) + Closing ($7,800)
$580,300
Maximum Amount of Financing:95% of Future Value ($700,000)
$665,000
Required Cash Contribution:100% of the project is funded with $0 cash out of pocket!
$0
100% Construction Financing Qualified

Your project equity satisfies 100% of the down payment requirement!

You have $84,700 in additional equity cushion. All lot payoffs, building draws, contingencies, and closing costs are rolled into one single-close loan.

Streamlined 5-Step Process

How Nationwide Single-Close Financing Works

Eliminate double closings, secondary underwriting stress, and rate spikes. Here is your roadmap from blueprint to keys.

01

Prequalification & Budgeting

Complete our 2-minute build profile. We determine your total borrowing power for lot acquisition and construction costs upfront.

Step 1
02

Plans & Builder Review

Connect with our vetted architect and general contractor network, or bring your own licensed builder for fast credentialing.

Step 2
03

Single-Close Underwriting

Appraisal is ordered based on the future completed value (Subject-To-Completion). Close once and lock your permanent mortgage rate.

Step 3
04

Groundbreaking & Milestone Draws

Construction begins! Funds are released in milestone draws as work is inspected. You pay interest only on disbursed funds during the 12 to 18-month build.

Step 4
05

Certificate of Occupancy & Conversion

Upon final inspection, your loan automatically rolls over into a permanent 30-year fixed mortgage with zero second closing fees.

Step 5

Need guidance on architectural plans or finding a builder? We provide direct partner referrals to licensed professionals in your target zip code.

The Complete Nationwide Ecosystem

More Than a Loan.
We Bring the National Team.

My background as a General Contractor in California means I know exactly what it takes to get a project out of the ground. We don't just process your loan; we help source and vet the crucial partners you need nationwide.

  • Architects & Designers

    Connections to top-tier design professionals to bring your vision to paper.

  • Vetted Builders

    Assistance in finding and approving qualified General Contractors in your zip code.

  • Permit Processing

    Resources to navigate local municipalities and expedite your permit approvals.

Nationwide Construction Loan Architectural Plans

"The right team makes the difference between a nightmare and a masterpiece."

National Lending Footprint

Construction Financing Across 48 States

Headquartered in Sacramento, California with nationwide lending capabilities, we fund single-close custom home construction, primary residences, second homes, and investment builds across 48 continental states.

Select or Search Your Build State

Our single-close construction program provides consistent nationwide underwriting guidelines and local draw inspector networks.

Click any state above to review specific custom home financing features and local guidelines.

48 States

All Continental US

100%

Financing with Project Equity

12–18 Mos

Interim Build Period

$3.5M+

Jumbo Capacity

Major Geographic Build Corridors

High-volume custom construction lending regions across the United States:

Western Region

California, Nevada, Arizona, Washington, Oregon, Idaho, Utah, Colorado

Sun Belt & Southern Corridors

Texas, Florida, Georgia, North Carolina, South Carolina, Tennessee

Midwest & Plains

Illinois, Ohio, Michigan, Indiana, Wisconsin, Missouri, Minnesota

Mid-Atlantic & Northeast

Pennsylvania, Virginia, Maryland, New Jersey, Massachusetts, Connecticut

Equal Housing Lender • Waterstone Mortgage Infrastructure (NMLS #769327).
Answers to Common Questions

Frequently Asked Questions

Everything you need to know about single-close construction financing and our national ecosystem.

Yes! If you already own your lot (either owned free-and-clear or with an existing financing balance), the equity in the project counts directly as your down payment. When the appraised value of the project provides sufficient equity to satisfy the program's Loan-to-Value (LTV) requirement, you can finance 100% of the construction cost with $0 cash out of pocket.

Instant 2-Minute Pre-Qualification

Let's Shape Your Custom Build Financing

Answer a few quick questions to see your exact single-close construction financing options nationwide.

What type of property are you building?

Step 1 of 6