Build Your Dream Home with Rates as Low as 3.99%


For a limited time, qualified buyers can lock in a low permanent mortgage rate while building a new home in the Carolinas.

Choose the financing structure that works best for you:

✔ Rates as low as 3.99% on FHA and VA loans - subject to qualification
 ✔ 4.99% fixed Conventional financing for qualified borrowers
 ✔ Potentially no payments during construction with select Conventional financing

If you’ve been waiting for the right moment to build, this opportunity may make it easier to move forward.

[Schedule Your Free Financing Consultation]


Two Ways to Finance Your New Home

Option 1: Lock the Lowest Rate (Single-Close Loan)

With a Single-Close Construction-to-Permanent loan, you close once and your financing covers both the build and your long-term mortgage.

During construction

  • Interest-only payments

  • Construction rate: 7.990%

  • Payments increase gradually as construction funds are used

After construction

  • Loan converts automatically to a 30-year fixed mortgage

  • Eligible borrowers may secure rates as low as 3.99% (FHA, VA, subject to qualification)

This option is ideal for buyers who want the lowest long-term mortgage rate available.

Option 2: No Payments During Construction

(Two-Time Close – Limited Availability)

Some buyers may qualify for a two-time close financing structure that allows no borrower payments during the construction phase.

Here’s how it works:

  • A 12-month construction loan is used during the building phase

  • No interest payments are required from the borrower during construction

  • Once construction is complete, the loan is refinanced into a permanent 30-year fixed-rate mortgage starting at 4.99% through a conventional or government loan program (FHA, VA, or USDA)

Important notes:

  • This structure is typically paired with permanent financing starting at 4.99%

  • The 3.99% FHA and VA rate promotion is not available with this option

  • Program availability depends on borrower qualifications and lending guidelines

For qualified buyers, this structure can provide additional financial flexibility while the home is being built.