Construction-to-Permanent Loans: One Loan from Groundbreaking to Move-In Day

Building your own home is the ultimate expression of personal vision. You choose the location. You choose the layout. You design a space that fits your life—not someone else’s.

But financing a custom build can feel complicated. Many buyers are told they need two loans: one for construction and another for the finished home. That often means two applications, two approvals, two closings, and two sets of fees.

There’s a smarter way.

A Construction-to-Permanent (C/P) Loan allows you to finance your build and your long-term mortgage in one seamless solution. One loan. One approval. One closing. From groundbreaking to move-in day, your financing follows a clear, simple path.

As a Mortgage Loan Officer with Acrisure Mortgage, I’ve helped many clients turn the idea of “building someday” into a real plan—without unnecessary complexity or surprises.

This guide explains how Construction-to-Perm loans work, who they’re for, and why they’re one of the most powerful tools for buyers who want to build with confidence.

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Who This Loan Is For

Construction-to-Permanent loans are ideal for:

• Buyers building a custom home

• Families purchasing land and placing a home

• Homeowners rebuilding after a sale or relocation

• Buyers working with a local builder

• Anyone who wants simplicity and predictability

If you’ve ever thought, “I’d love to build, but the financing seems complicated,” this program was created for you.

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How a Construction-to-Perm Loan Works

Traditional construction financing looks like this:

1. Apply for a construction loan

2. Close on that loan

3. Build the home

4. Apply again for a permanent mortgage

5. Close a second time

6. Pay a second set of fees

A Construction-to-Perm loan changes everything.

With a C/P loan:

1. You apply once

2. You close once

3. Funds are disbursed in stages during construction

4. When the home is complete, the loan converts automatically into your permanent mortgage

   No re-qualification. No second closing. No surprises.

You know your long-term financing from day one.

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Key Parameters & Program Highlights

Construction-to-Perm loans are available through multiple programs, including:

• Conventional C/P Loans – Often with down payments as low as 5%

• FHA C/P Loans – With down payments as low as 3.5%

• VA C/P Loans – For eligible veterans, often with 0% down

• Jumbo C/P Options – For higher-value builds

Depending on the program, these loans can include:

• Land purchase or payoff

• Construction costs

• Permanent mortgage financing

• Fixed or adjustable rate options

• Extended rate locks

You’ll typically need:

• A licensed builder

• Approved plans and specs

• A construction budget

• Credit and income approval

I guide you through every step—coordinating with your builder and ensuring the financing aligns with your timeline.

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Why Buyers Love This Loan

Construction-to-Perm loans remove friction from the building process.

Key benefits include:

• One Closing – Save time and money

• One Approval – No re-qualifying after the home is built

• Predictability – Know your long-term loan terms up front

• Simplicity – One lender, one process, one plan

• Confidence – No last-minute financing surprises

Instead of worrying about how the loan will come together, you can focus on what matters—creating your home.

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Real-World Use Cases

This loan is perfect for:

• A family buying land and building their forever home

• A couple relocating and building with a local builder

• A buyer replacing an older home with a custom build

• A homeowner selling and rebuilding in a new location

In each case, the C/P loan creates clarity. You don’t have to “hope” you’ll qualify later. You know from the beginning.

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FAQ: Construction-to-Permanent Loans

Do I need to own the land already?

Not necessarily. Many C/P loans can include the land purchase in the financing.

What happens during construction?

Funds are released in stages (called draws) as work is completed. Your builder is paid as the home progresses.

Do I make payments during construction?

Typically, you pay interest only on the amount drawn during construction.

What if rates change while I’m building?

Many programs offer extended rate locks and float-down options. We’ll structure this to protect you.

Is this more expensive than two separate loans?

In most cases, it’s more cost-effective because you avoid a second closing and related fees.

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Let’s Build with Confidence

Building a home should feel exciting—not overwhelming.

A Construction-to-Permanent loan gives you a clear path from idea to keys in hand. One plan. One process. One trusted guide.

If you’re thinking about building—or even just exploring what’s possible—I’d love to help you map it out.

📞 850-450-5788
📧 slockler@acrisuremortgage.com
🌐 LockWithLockler.com

Your dream home deserves a smart foundation.

Manufactured Housing Loans: An Affordable Path to Homeownership—Simplified

Manufactured homes have come a long way. Today’s designs are energy-efficient, beautifully finished, and built to modern standards—offering an affordable and flexible path to homeownership for families, retirees, and buyers who want more control over where and how they live.

Yet many buyers are surprised to learn that financing a manufactured home can feel more complicated than buying a traditional house. That confusion alone stops countless people from moving forward.

It doesn’t have to.

With the right loan structure, manufactured housing can be one of the smartest and most attainable ways to own a home—especially when paired with land you already own or plan to purchase.

As a Mortgage Loan Officer with Acrisure Mortgage, I help buyers simplify this process using specialized Manufactured Housing Construction-to-Permanent loans. These programs allow you to finance the home, the land, and your permanent mortgage in one streamlined solution.

One loan.

One closing.

One clear path home.

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Who Manufactured Housing Loans Are For

This loan is ideal for:

• Buyers who already own land

• Families purchasing land to place a home

• First-time buyers seeking affordability

• Retirees downsizing with flexibility

• Rural buyers wanting space and independence

• Anyone priced out of traditional housing

If you’ve ever thought, “Owning land and placing a home makes sense—but I don’t know how the financing works,” this program was created for you.

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How Manufactured Housing Financing Works

Traditional manufactured home purchases often require:

• A chattel (personal property) loan

• Separate land financing

• Higher interest rates

• Limited lender options

A Construction-to-Permanent loan changes that.

With this structure, you can:

• Finance the manufactured home

• Finance the land (or include land you already own)

• Cover installation, foundation, and setup costs

• Convert automatically into a permanent mortgage

All in one loan.

All in one closing.

Instead of juggling multiple lenders or temporary financing, you move forward with clarity from day one.

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Program Parameters & Options

Manufactured Housing C/P loans can be structured through:

Conventional Programs

• Often with as little as 5% down

• Loan limits up to conforming caps

FHA Programs

• Down payments as low as 3.5%

• More flexible credit guidelines

VA Programs (for eligible veterans)

• Potential for 0% down

• No monthly mortgage insurance

These loans typically include:

• The cost of the home

• The land (if needed)

• Site preparation

• Permanent foundation

• Long-term mortgage financing

You’ll need:

• An approved manufacturer

• Plans/specs for the home

• A licensed installer

• Credit and income approval

My role is to coordinate these moving parts and ensure your financing aligns with your timeline.

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Why Buyers Choose Manufactured Housing Loans

The benefits are powerful:

• Affordability – Lower total purchase cost

• Ownership – Land + home = equity

• Flexibility – Build where you want

• Simplicity – One loan, one closing

• Speed – Faster than traditional construction

For many families, this becomes the most direct path to ownership—without sacrificing quality or comfort.

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Real-World Use Cases

This loan works beautifully for:

• A first-time buyer purchasing land and placing a home

• A family relocating to a rural area

• A retiree downsizing onto owned land

• A homeowner replacing an older mobile home

• A buyer priced out of traditional neighborhoods

Instead of renting indefinitely or overextending financially, you create a sustainable, long-term solution.

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FAQ: Manufactured Housing Loans

Is a manufactured home the same as a mobile home?

Modern manufactured homes are built to federal HUD standards and are far more advanced than older “mobile homes.”

Can I finance the land and home together?

Yes. That’s one of the biggest advantages of this program.

Do these homes qualify for traditional mortgages?

When permanently affixed to land and meeting guidelines, they can be financed like site-built homes.

What credit score is required?

It varies by program. FHA and VA options often allow lower scores than conventional loans.

Can I place the home on family land?

In many cases, yes. We’ll review ownership and zoning to confirm eligibility.

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Let’s Create Your Path Home

Manufactured housing is no longer a “last resort.” It’s a smart, flexible, and empowering way to own your home and your future.

With the right loan structure, you don’t have to compromise. You can own land, place a home you love, and build equity—on your terms.

If you’re curious about what’s possible, let’s talk.

📞 850-450-5788

📧 slockler@acrisuremortgage.com

🌐 LockWithLockler.com

Your home doesn’t have to fit a mold. Your financing shouldn’t either.