Single-Close Construction Loans 100% Financing with Project Equity Down Payments from 5% 48 States Nationwide

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 fees.

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 • No Obligation

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

Single-Close Construction-to-Permanent

Lot + Construction + Permanent 30-Year Mortgage in 1 Loan

Combines your construction financing and permanent fixed mortgage into one loan with a single closing before construction starts. Protects against rising rates during the 12 to 18-month build.

  • Down payments as low as 5% (or 100% financing with project equity)
  • Existing project equity can cover 100% of down payment requirement
  • One set of closing costs & one appraisal
  • Conforming & High-Balance loan limits
  • 12-18 month interest-only construction phase
High Net Worth / Self-Employed

Bank Statement Construction Loans

No Tax Returns Required for Business Owners & 1099s

Designed specifically for entrepreneurs, 1099 contractors, and self-employed professionals. Qualify using 12 to 24 months of business or personal bank statements.

  • 12 or 24-month bank statement qualification
  • Loans available up to $3.5M+
  • Project equity can satisfy down payment requirements
  • No tax returns or W-2 transcripts required
  • Flexible builder & architectural requirements
Luxury Builds

Jumbo & Super Jumbo Custom Builds

Financing for High-End Custom Estates up to $3.5M+

Comprehensive luxury construction financing for high-end custom homes, modern estates, and complex multi-structure residential projects across prime US markets.

  • Loan amounts up to $3,500,000+
  • Custom architect & luxury builder support
  • Flexible project equity roll-in & 100% construction options
  • Competitive interest rate locks
Real Estate Investors

Investment Property & Spec Home Builds

Qualify Using Projected Rental Income (DSCR)

Expand your real estate portfolio by building single-family rentals, vacation properties, or spec homes. Qualify based on the future rental income cash flow of the finished home.

  • DSCR & projected market rent qualifying
  • Spec build and spec-to-perm options
  • Short-term vacation rentals permitted
  • Scalable portfolio financing solutions
100% Financing Available

Project Equity & Land Acquisition Roll-In

100% Financing with Project Equity or Buy Land + Build

If you already own your lot, the accumulated equity in the project can cover 100% of the down payment requirements—enabling 100% construction financing with $0 cash out of pocket. If you don't own land yet, buy the lot and fund construction together in 1 closing.

  • 100% construction financing possible using project equity
  • $0 out-of-pocket cash when project equity meets LTV guidelines
  • Covers both free-and-clear lots or land with existing liens
  • Simultaneous lot purchase & construction close if buying land
  • Applicable in suburban, rural acreage & urban infill parcels
Vacation & Secondary

Second Home & Vacation Retreat Loans

100% Financing with Project Equity or Low 10% Down

Custom construction financing for second homes and vacation retreats in mountain resort areas, coastal regions, lakefront properties, and golf communities nationwide. If you already own your vacation lot, project equity can cover 100% of the down payment requirements with $0 cash out of pocket.

  • 100% financing eligible when using owned project equity
  • Down payments as low as 10% (or $0 cash with project equity)
  • Conforming & Jumbo loan amounts up to $3.5M+
  • Lending in ski, coastal, lakefront & golf resort markets
  • Single-close conversion to 30-year fixed rate after 12-18 month build
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.

Let's Shape Your Nationwide Project

Answer a few quick questions to see your exact construction financing options anywhere in the US.

What type of property are you building?

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