One Loan. One Closing. One Seamless Path to Your New Home.
Sometimes the perfect home isn’t already built — it’s the one you’ve been dreaming about.
A Construction-to-Permanent loan allows eligible buyers to finance both the construction of a new home and the permanent mortgage with a single loan. Instead of arranging separate financing for construction and then refinancing once the home is complete, this program is designed to simplify the entire process from the very beginning. Whether you’re building on land you already own or purchasing a homesite for your new construction project, Kim Mitchell will help you understand your financing options and guide you through every stage with confidence.
What Is a Construction-to-Permanent Loan?
A Construction-to-Permanent loan combines two phases of financing into one convenient mortgage. During construction, funds are released in stages as your builder completes predetermined milestones. Once construction is finished the loan automatically transitions into your permanent mortgage — without the need for a second closing.
That means less paperwork, fewer surprises, and a smoother path from blueprint to front porch.
Why Buyers Choose Construction-to-Permanent Financing
Building a custom home is exciting — but managing multiple loans and closing costs isn’t. Many buyers choose Construction-to-Permanent financing because it simplifies the process by providing one loan for both construction and permanent financing, a single closing instead of two separate transactions, streamlined financing from start to finish, and the convenience of working through one lending process from groundbreaking to move-in day.
For many buyers having one financing plan allows them to focus more on creating their future home and less on coordinating multiple loans.
Building a Home Is Different Than Buying One
Constructing a home involves more moving parts than purchasing an existing property. You will likely be working with builders, contractors, architects, inspectors, and other professionals throughout the project. Having a lender who truly understands the construction financing process can make each phase easier to navigate.
Kim works closely with buyers to explain each step, answer questions along the way, and make sure you understand how your financing supports your construction timeline. With 23 years of mortgage experience she has the knowledge to keep your financing on track no matter what the build throws your way.
Is This Loan Right for You?
Construction-to-Permanent financing may be a great fit if you want to build a custom home, have found land to build on or already own property, prefer the convenience of one loan and one closing, or want financing that transitions smoothly into a traditional mortgage after construction is complete.
Every building project is unique. Kim will take the time to understand your goals and help determine whether Construction-to-Permanent financing is the best solution for your situation.
¿Está Pensando en Construir su Hogar?
Kim Mitchell habla español con fluidez y puede guiarle a través del proceso de financiamiento de construcción completamente en español. Si tiene preguntas sobre los préstamos de construcción a permanente o desea explorar si esta opción es adecuada para usted, comuníquese con Kim directamente — sin presión y sin compromiso.
Ready to Turn Your Vision Into Reality?
Building a home is one of life’s most exciting experiences — and choosing the right financing partner can make the journey far less overwhelming. Kim Mitchell believes construction financing should be straightforward, transparent, and tailored to your goals. She will help you understand your options, coordinate the financing process, and provide guidance from the first conversation through the day you receive the keys to your newly built home.
Reach out to Kim today and let’s explore whether a Construction-to-Permanent loan is the right foundation for your future.
Construction-to-Permanent Loan FAQs
Q: Do I need two separate loans to build a home?
A: No. A Construction-to-Permanent loan combines construction financing and your permanent mortgage into one loan, simplifying the entire process from start to finish.
Q: When do I begin making mortgage payments?
A: Payment structures vary depending on the loan program and construction timeline. Kim will walk you through exactly what to expect based on your specific financing so there are no surprises.
Q: Can I use land I already own?
A: In many situations yes. Existing land ownership may be incorporated into your construction financing depending on your circumstances and the loan program. Kim can review your specific situation and let you know what is possible.
Q: Can I choose my own builder?
A: Builder requirements vary depending on the financing program. Kim can explain the qualifications and documentation that may be required before construction begins so you know what to look for when selecting your builder.
Q: How is a Construction-to-Permanent loan different from a traditional mortgage?
A: A traditional mortgage finances the purchase of an existing home. A Construction-to-Permanent loan finances the building of a new home and then automatically converts to a permanent mortgage once construction is complete — all within a single loan and a single closing.
Q: Can Kim Mitchell help me explore construction financing in Spanish?
A: Yes. Kim is fully fluent in Spanish and can guide Spanish-speaking clients through every aspect of the construction financing process entirely in Spanish.
