Find construction-to-permanent lenders in your state

Building a home starts long before the foundation is poured. You need a lot, a set of plans a lender can underwrite, a builder the lender will approve, builders risk insurance, and a loan that carries you from the first draw to move-in day. My Construction Path puts those pieces in one place, so you can see the whole route before you commit to any part of it.

One loan from groundbreaking to move-in. A construction-to-permanent loan covers the build and then converts to a standard mortgage once the home is finished. You close once instead of twice. Our lender list shows published construction-to-permanent programs from national and regional lenders, who each program fits, and where each one lends. Pick your state and connect with a lender who works with projects like yours.

Programs for different situations. Some buyers are building on land they already own. Others are veterans looking at VA construction programs, first-time buyers comparing FHA one-time close, or buyers with larger projects who need a jumbo construction program. Our guides explain how each option works, what lenders usually ask for, and the questions to raise before you apply.

Builders, plans, and insurance that fit the loan. Lenders review your builder and your plans as closely as they review you. Browse builders, architects, and house plans that construction lenders can underwrite, and learn how builders risk insurance works so your project is covered from the start.

Plain-language guides by state. Our state guides cover construction lending in Florida, North Carolina, South Carolina, Virginia, the District of Columbia, New York, New Jersey, Pennsylvania, New England, and California. Each one covers local permitting, how draws are handled, and the lenders active in that state.

Tools before you talk to anyone. Use our calculators to sketch your project budget and insurance needs, then read the questions and answers section for the issues buyers raise most often.

When you are ready, tell us where you are building and what you are building. We will connect you with construction lenders who serve your area. There is no obligation, and this is not an offer of credit. Every lender sets its own approval standards.