How Long Does a Construction Loan Take, Start to Finish?
See each stage of a construction loan, from pre-approval to move-in, what slows a build down, and how to keep your loan and your schedule on track.
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Construction loan guides
Plain-English answers on construction-to-permanent loans, builders, and getting from lot to keys.
Can You Get an FHA Construction Loan on Land You Own?
Yes. FHA construction-to-permanent loans can be used on land you own, and land equity may count toward your investment. Here's how it works.
Read articleConstruction Loan Guides by State
State-by-state construction loan guides: how to choose a construction-to-permanent lender and what each state requires to build a home.
Read articleBest Construction-to-Permanent Lender in CT: How to Choose
There's no single best construction-to-permanent lender in Connecticut. Compare programs, builder rules, draws, and closing steps with this checklist.
Read articleConstruction Loan Requirements in Connecticut
What lenders and Connecticut require to build a home: builder rules, permits and code, septic, flood checks, liens, and closing steps.
Read articleBest Construction-to-Permanent Lender in MA: How to Choose
There's no single best construction-to-permanent lender in Massachusetts. Compare programs, builder rules, draws, and closing steps with this checklist.
Read articleConstruction Loan Requirements in Massachusetts
What lenders and Massachusetts require to build a home: builder rules, permits and code, septic, flood checks, liens, and closing steps.
Read articleBest Construction-to-Permanent Lender in RI: How to Choose
There's no single best construction-to-permanent lender in Rhode Island. Compare programs, builder rules, draws, and closing steps with this checklist.
Read articleConstruction Loan Requirements in Rhode Island
What lenders and Rhode Island require to build a home: builder rules, permits and code, septic, flood checks, liens, and closing steps.
Read articleBest Construction-to-Permanent Lender in NH: How to Choose
There's no single best construction-to-permanent lender in New Hampshire. Compare programs, builder rules, draws, and closing steps with this checklist.
Read articleConstruction Loan Requirements in New Hampshire
What lenders and New Hampshire require to build a home: builder rules, permits and code, septic, flood checks, liens, and closing steps.
Read articleBest Construction-to-Permanent Lender in VT: How to Choose
There's no single best construction-to-permanent lender in Vermont. Compare programs, builder rules, draws, and closing steps with this checklist.
Read articleConstruction Loan Requirements in Vermont
What lenders and Vermont require to build a home: builder rules, permits and code, septic, flood checks, liens, and closing steps.
Read articleBest Construction-to-Permanent Lender in ME: How to Choose
There's no single best construction-to-permanent lender in Maine. Compare programs, builder rules, draws, and closing steps with this checklist.
Read articleConstruction Loan Requirements in Maine
What lenders and Maine require to build a home: builder rules, permits and code, septic, flood checks, liens, and closing steps.
Read articleBest Construction-to-Permanent Lender in NY: How to Choose
There's no single best construction-to-permanent lender in New York. Compare programs, builder rules, draws, and closing steps with this checklist.
Read articleConstruction Loan Requirements in New York
What lenders and New York require to build a home: builder rules, permits and code, septic, flood checks, liens, and closing steps.
Read articleBest Construction-to-Permanent Lender in NJ: How to Choose
There's no single best construction-to-permanent lender in New Jersey. Compare programs, builder rules, draws, and closing steps with this checklist.
Read articleConstruction Loan Requirements in New Jersey
What lenders and New Jersey require to build a home: builder rules, permits and code, septic, flood checks, liens, and closing steps.
Read articleBest Construction-to-Permanent Lender in PA: How to Choose
There's no single best construction-to-permanent lender in Pennsylvania. Compare programs, builder rules, draws, and closing steps with this checklist.
Read articleConstruction Loan Requirements in Pennsylvania
What lenders and Pennsylvania require to build a home: builder rules, permits and code, septic, flood checks, liens, and closing steps.
Read articleBest Construction-to-Permanent Lender in DE: How to Choose
There's no single best construction-to-permanent lender in Delaware. Compare programs, builder rules, draws, and closing steps with this checklist.
Read articleConstruction Loan Requirements in Delaware
What lenders and Delaware require to build a home: builder rules, permits and code, septic, flood checks, liens, and closing steps.
Read articleBest Construction-to-Permanent Lender in MD: How to Choose
There's no single best construction-to-permanent lender in Maryland. Compare programs, builder rules, draws, and closing steps with this checklist.
Read articleConstruction Loan Requirements in Maryland
What lenders and Maryland require to build a home: builder rules, permits and code, septic, flood checks, liens, and closing steps.
Read articleBest Construction-to-Permanent Lender in DC: How to Choose
There's no single best construction-to-permanent lender in Washington, DC. Compare programs, builder rules, draws, and closing steps with this checklist.
Read articleConstruction Loan Requirements in Washington, DC
What lenders and Washington, DC require to build a home: builder rules, permits and code, septic, flood checks, liens, and closing steps.
Read articleBest Construction-to-Permanent Lender in VA: How to Choose
There's no single best construction-to-permanent lender in Virginia. Compare programs, builder rules, draws, and closing steps with this checklist.
Read articleConstruction Loan Requirements in Virginia
What lenders and Virginia require to build a home: builder rules, permits and code, septic, flood checks, liens, and closing steps.
Read articleBest Construction-to-Permanent Lender in NC: How to Choose
There's no single best construction-to-permanent lender in North Carolina. Compare programs, builder rules, draws, and closing steps with this checklist.
Read articleConstruction Loan Requirements in North Carolina
What lenders and North Carolina require to build a home: builder rules, permits and code, septic, flood checks, liens, and closing steps.
Read articleBest Construction-to-Permanent Lender in FL: How to Choose
There's no single best construction-to-permanent lender in Florida. Compare programs, builder rules, draws, and closing steps with this checklist.
Read articleConstruction Loan Requirements in Florida
What lenders and Florida require to build a home: builder rules, permits and code, septic, flood checks, liens, and closing steps.
Read articleBest Construction-to-Permanent Lender in SC: How to Choose
There's no single best construction-to-permanent lender in South Carolina. Compare programs, builder rules, draws, and closing steps with this checklist.
Read articleConstruction Loan Requirements in Upstate South Carolina
What lenders and counties require to build in Greenville, Spartanburg, and Anderson: licensed builders, permits, septic, flood checks, attorney closing.
Read articleModular and Container Home Construction Loans
How construction loans work for modular and shipping container homes: what lenders require, which codes apply, and how SC certifies modular units.
Read articleOwner-Builder Construction Loans: Can You Be Your Own GC?
Most lenders require a licensed builder, but some allow owner-builders. Learn when you can be your own GC, what lenders check, and safer alternatives.
Read articleVA Construction Loans for Modular and Manufactured Homes
Yes, a VA construction loan can cover a modular or manufactured home if it's on a permanent foundation and meets VA standards. Here's what lenders require.
Read articleDo You Make Payments During a Construction Loan?
Most construction loans bill interest on the money drawn so far while you build. See how payments grow, who pays them, and what changes at move-in.
Read articleVA Construction Loan Requirements: What You Need to Build
VA construction loans need eligibility, credit and income approval, a licensed builder your lender approves, and a home that meets VA standards. Here's the full checklist.
Read articleCan You Start Building Before Your Construction Loan Closes?
Starting work before your construction loan closes can kill the loan. Learn what counts as an early start, why lenders care, and what you can safely do.
Read articleCan You Build a Duplex With an FHA or VA Loan?
FHA and VA allow 2–4 unit homes you live in, but many construction lenders only build single-family. Here's how to finance a new duplex with FHA or VA.
Read articlePhysician Construction Loans: How Doctors Build a Home
How physician construction loans work, who qualifies, how lenders treat student loans and job contracts, and what to expect when a doctor builds a home.
Read articleFHA vs. VA Construction Loan: Which Fits Your Build?
Compare FHA and VA construction loans: who qualifies, down payment, mortgage insurance vs. the VA funding fee, builder rules, and which fits your build.
Read articleConstruction Loan Builder Approval: What Lenders Check
Your construction lender has to approve your builder before closing. See what they review: license, insurance, references, financials, and the contract.
Read articleFHA Construction Loan Requirements: Credit & Down Payment
See the FHA construction loan requirements for credit, down payment, income, and occupancy, plus why construction lenders often ask for more than HUD does.
Read articleHow Much Can You Borrow for a Construction Loan?
Your construction loan amount depends on the as-completed appraisal, total project cost, your income and debts, and loan limits. See how lenders size it.
Read articleFHA MIP and the VA Funding Fee on a New Build
How FHA mortgage insurance and the VA funding fee work on a construction-to-permanent loan: when they're charged, financing, and who's exempt.
Read articleCan You Get a Construction Loan for a Tiny Home?
Yes, if your tiny home sits on a permanent foundation on land you own and meets size rules. See what lenders require and options for tiny homes on wheels.
Read articleVA Entitlement for New Construction: How It Works
Your VA entitlement works the same when you build as when you buy. Learn full vs. partial entitlement, how to check your COE, and restoring entitlement.
Read articleHow a Construction Loan Appraisal Works (and If It's Low)
A construction loan appraisal values your home "as completed" from plans and specs. See what appraisers need and what to do if the value comes in low.
Read articleFHA Construction Loans for Manufactured Homes
Yes, some lenders offer FHA one-time-close loans for new manufactured homes. See HUD's foundation, label, and land rules and how they differ from modular.
Read articleCan You Build on Land Held in a Family Trust?
Yes, but most construction lenders won't close in a trust's name. See how to retitle a trust-held lot, what lenders review, and how to stay on track.
Read articleVA Construction Loan Builder Requirements (2026)
VA no longer issues builder ID numbers, but lenders still vet your builder. See what VA construction lenders require and how to find a builder who fits.
Read articleHow Detailed Must a Construction Loan Scope Be?
Construction lenders need plans, specs, a fixed-price contract, and a schedule of values detailed enough for appraisal, draws, and change-order control.
Read articleFHA Construction Loans for Modular Homes
Yes—you can often use an FHA one-time-close construction loan for a modular home. See modular vs manufactured, inspections, and builder basics.
Read articleWhat If Your Construction Loan Goes Over Budget?
Builds often run past the original budget. See how contingency, change orders, and lender draws work when a construction loan goes over budget.
Read articleBuild on Land You Own With a VA Construction Loan
Already own your lot? A VA construction-to-permanent loan can finance the build. See equity, builder, appraisal, and entitlement basics for Veterans.
Read articleFHA 203(k) vs FHA Construction Loan
FHA 203(k) renovates an existing home; an FHA construction-to-permanent loan builds new. See which program fits your plans, lot, and timeline.
Read articleWhat Credit Score for a Construction Loan?
Construction loans often want stronger credit than a regular mortgage. See what lenders weigh by loan type and how to strengthen your file.
Read articleOne-Time vs. Two-Time Close Construction Loans
One-time close or two-time close? Compare how each construction loan works, closing costs, requalifying, and flexibility to choose the right path.
Read articleUsing Land You Own Toward a Construction Loan
Already own your lot? Learn how lenders may count land equity toward a construction loan, how your land is valued, and which documents to gather.
Read articleHow Construction Loan Draws Work: Inspections & Schedules
Construction loans pay your builder in stages called draws. Learn how draw schedules, inspections, and builder requests work from groundbreaking to keys.
Read articleFHA Construction Loans: One-Time Close Basics
An FHA one-time close construction loan can finance a new build with a low down payment option for eligible borrowers. See credit, builder, and conversion basics.
Read articleConstruction Loan vs. Renovation Loan vs. HELOC
Building new, buying a fixer-upper, or upgrading your current home? Compare construction loans, renovation loans, and HELOCs to find the right fit.
Read articleCan You Get a Construction Loan for a Barndominium?
Yes, many lenders finance barndominium builds with a construction loan. Learn credit, plans, builder, and appraisal requirements before you start.
Read article4 Construction Loan Lenders in Washington, DC (2026)
Building or gut-renovating in Washington, DC? Compare 4 construction loan lenders by DC presence, one-time close, renovation and co-op rules.
Read article4 Construction Loan Lenders in Virginia (2026)
Building a home in Virginia? Compare 4 construction loan lenders by service area, one-time vs. two-time close, eligible home types and draws.
Read article4 Construction Loan Lenders in Vermont (2026)
Building on land in Vermont? Compare 4 construction loan lenders by local presence, one-time close, self-build options and rural site planning.
Read articleVA Construction Loans: Flexible Down Payment Options
VA construction loans offer flexible down payment options for eligible Veterans. See credit, builder, and funding fee basics before you build.
Read article4 Construction Loan Lenders in South Carolina (2026)
Building a home in South Carolina? Compare 4 construction loan lenders by service area, one-time close, draw process and coastal flood planning.
Read article4 Construction Loan Lenders in Rhode Island (2026)
Building or renovating in Rhode Island? Compare 4 construction loan lenders by RI presence, one closing, renovation options and coastal permits.
Read article4 Construction Loan Lenders in Pennsylvania (2026)
Building or rehabbing a home in Pennsylvania? Compare 4 construction loan lenders by PA availability, one-time close, product choice and draw rules.
Read article4 Construction Loan Lenders in North Carolina (2026)
Building in North Carolina? Compare 4 construction loan lenders by NC availability, single closing, land rules, inspections and coastal permitting.
Read articleTop 4 Construction Loan Lenders in New York (2026)
Building or renovating in New York? Compare 4 construction loan lenders by NY availability, one-time close, jumbo support and builder draw process.
Read article4 Construction Loan Lenders in New Jersey (2026)
Building, rebuilding or renovating in New Jersey? Compare 4 construction loan lenders by NJ availability, one-time close, renovation and draw process.
Read article4 Construction Loan Lenders in Massachusetts (2026)
Building or renovating in Massachusetts? Compare 4 construction loan lenders by service area, one-time close, inspections and septic planning.
Read article4 Construction Loan Lenders in Maine (2026)
Building on land in Maine? Compare 4 local construction loan lenders by service area, one-time close, land financing, builder rules and draws.
Read articleJumbo Construction Loans: Financing a Custom Home Build
A jumbo construction loan funds a custom home build when the loan amount is above the conforming limit. Learn how it works and how to prepare.
Read article4 Construction Loan Lenders in Florida (2026)
Building a home in Florida? Compare 4 construction loan lenders by service area, one-time close, inspection-based draws and flood and storm planning.
Read articleMust the Build Be Finished Before Your Loan Converts?
Yes, your home generally must be fully complete, with a final inspection and certificate of occupancy, before a construction loan converts.
Read article4 Construction Loan Lenders in California (2026)
Building, rebuilding or adding an ADU in California? Compare 4 construction loan lenders by CA availability, single close, jumbo and draw process.
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