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Construction Loan Guides
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These five guides explain how to finance a custom home with a construction loan, from buying or using your land to the permanent mortgage. Start with the custom home guide for the whole process, then read the guide that matches your situation.
Which construction loan guide should you read?
Custom Home Construction Loan Guide: Land to Mortgage
The full path from land to permanent mortgage: loan types, how lenders size the loan, each step of the process, and what usually goes wrong.
Read the guideConstruction Loans for Land You Already Own
How lenders credit land you already own, whether it is paid off, still financed, inherited or a gift, and which loan type fits.
Read the guideHow to Finance a Custom Home With a Builder
What lenders need from your builder: approval, the contract, plans, the budget, draws and inspections, and what happens if costs change.
Read the guideLuxury and Jumbo Construction Mortgages: A Guide
How larger construction loans work for luxury custom homes: what lenders look for, reserves, harder appraisals, and keeping a big project within program limits.
Read the guideConstruction Loans for Rural Land and Acreage
What changes when you build on rural land or acreage: septic, wells, access roads, utilities, rural appraisals and which programs fit.
Read the guideWhere should you start if you are new to construction loans?
Start with Custom Home Construction Loan Guide: Land to Mortgage. It covers loan types, how lenders decide how much you can borrow, and each step from land to the permanent mortgage. For shorter answers to single questions, see construction loan questions and answers or browse the blog.
What happens after you submit a request?
Your request goes to My Construction Path, not directly to a lender. A member of our team reviews it and connects you with a lender. If you picked a lender, we note it as your preference. Always compare offers and ask each lender for an official Loan Estimate.
My Construction Path is not a lender and does not make loans or credit decisions. We connect you with lenders who may be able to help. Not all borrowers will qualify. Equal Housing Opportunity.