Build Your Dream Home with Ease: Expert Construction Loans for Every Vision

Build your dream home on the perfect piece of land with OneTrust Home Loans and Angie Anderson! Our Residential Lot & Land Loans are designed to help you secure the ideal property for your future home. Whether you plan to start construction tomorrow or a few years down the line, finding the perfect lot or piece of land is the crucial first step. With OneTrust Home Loans, you'll have access to a variety of flexible loan options tailored to your needs, ensuring you have the financial support to purchase your desired property. Plus, with Angie Anderson, an experienced financing expert, guiding you through the process, your journey to homeownership will be smooth and successful. Start your journey with confidence, knowing that you have a knowledgeable team dedicated to helping you achieve your dream of owning the perfect home.

When building your dream home, we’re committed to offering custom financing options to help you achieve your homeownership goals. Our One-Time Close Loan Products lock in interest rates before construction begins, converting to permanent financing upon completion, saving you money with just one appraisal and one set of closing costs. We offer VA Loans for veterans and active-duty military with zero down payment, FHA Loans for those with lower down payments and credit challenges, Conventional Loans for amounts up to $766,550, and Jumbo Loans for loans above $766,550 with as little as 5% down in some cases. Our 5/6 ARM program features a hybrid adjustable-rate mortgage with a fixed rate for the first five years, accommodating various income methods and flexible guidelines. Additionally, our Two-Time Close Loan Products include options like the Stay in Your Home Loan for those wishing to remain in their current home during construction, and Portfolio Loans for unique scenarios not fitting standard guidelines. Whether you're financing the land and construction in one package or leveraging land equity to cover down payment requirements, we provide solutions for primary residences, second homes, and investment properties. Our technology-based construction draw process ensures your home is built quickly, with mortgage term options including 30-year fixed, 15-year fixed, and ARMs.

The journey to your dream home begins with getting pre-qualified, where a Loan Officer will guide you through available financing options and the home financing process. Next, start the exciting home design process, customizing every detail to make your home uniquely yours. During the pre-construction meeting, you’ll review your plans item-by-item with your building team to ensure everything is perfect. The loan process then begins, with your lender gathering necessary documents, creating a budget and draw schedule, sending initial loan disclosures, ordering title work, and an appraisal. Within the first 17 days, your documentation is reviewed by an underwriter, who issues a conditional approval. From days 18 through closing, your Client Manager will work with you to gather any remaining conditions to ensure your loan is clear to close. Promptly providing requested documents helps avoid delays and keeps your project on track.