One-Time Close Construction Loans
Streamline lot, build, and permanent financing into one coordinated mortgage process.
See One-Time CloseProjects become stressful when the financing is vague. We help borrowers map out how the loan, timeline, draw schedule, and improvement scope work together before construction begins.
Construction and renovation loans require more coordination than a standard mortgage. We finance new builds including stick build, modular, manufactured, and barndominiums, and help borrowers understand budget structure, contingency planning, contractor expectations, and how permanent financing fits into the project from day one.
Whether you are building from the ground up, buying a property that needs updates, or refinancing into renovation work, we keep the plan organized and realistic.
Not every project needs the same structure. We help align the financing with the work, the property, and your timeline.
Streamline lot, build, and permanent financing into one coordinated mortgage process.
See One-Time CloseBuy a home that needs work and finance approved improvements into the loan structure.
Explore RenovationUse existing equity to update the property while improving livability or long-term value.
Review RefinanceBuild or improve the home you plan to live in with planning tailored to owner-occupied goals.
Plan Your ProjectUnderstand eligible improvements, contractor coordination, and how funds are released over time.
Understand DrawsSupport for projects involving unusual scope, property condition issues, or layered timelines.
Talk Through Details
These loans work best when expectations are clear on the front end. We help borrowers think through both the financing and the operational side of the project so surprises are reduced.
That means clarity on approvals, contractor documentation, future payment structure, and what needs to happen before closing can stay on schedule.
From feasibility to final financing, we organize the major steps so the project stays grounded in a workable plan.
We review the property, project type, estimated cost, and the best loan structure for the work.
We help identify contractor, budget, and borrower documentation needed for approval.
We align timing, draw expectations, and long-term payment planning before closing.
Our team stays involved as the loan closes and the project transitions into execution.
We run towards hard problems, not away from them. One of the many ways we differentiate ourselves from competition is using our decades of experience and vast company resources to make tough scenarios workable. In many cases when other lenders have shined away from a scenario that looks less than perfect, we tackle the challenge head on and get results.
We consider the scope of work, future payment goals, and contractor realities together to build a financing plan that supports the entire project lifecycle.
We reduce confusion by setting out what the loan requires before the project gets underway, so there are no surprises mid-build.
Whether it is a stick build, modular home, manufactured property, or barndominium, we have the experience and lending relationships to get it done.
We help borrowers think beyond the construction phase to the finished home, permanent financing, and future affordability.
Let's discuss your goals and find the perfect loan for your journey. No pressure, just clear advice from a team that cares.
Important Disclosures: The information on this page is for general educational purposes and does not constitute a loan offer, commitment to lend, or guarantee of approval. All loans are subject to credit approval, income verification, appraisal, and underwriting requirements. Actual interest rates, APR, monthly payments, loan terms, and program availability vary based on credit profile, loan-to-value, debt-to-income ratio, property type, occupancy, points, and other factors. Program guidelines and eligibility requirements are subject to change without notice. Contact The Grigg Team for a personalized quote based on your specific situation.
ARM Disclosure: Adjustable-rate mortgages (ARMs) have an initial fixed rate period followed by periodic adjustments. After the fixed period, your interest rate and monthly payment may increase or decrease based on market conditions.
CrossCountry Mortgage, LLC NMLS #3029 (www.nmlsconsumeraccess.org). The Grigg Team NMLS #715407. Equal Housing Opportunity.