Building dreams one home at a time
Building your dream home can be both complex and rewarding. We simplify the construction financing process by delivering one seamless solution, a Construction to Permanent (C2P) loan.
One loan
A single loan finances the lot, construction costs and permanent mortgage.
One rate
The loan program and rate are determined at the close of the Construction loan. After construction completion, the same loan program and rate apply to the permanent loan.
One closing
A C2P loan (one-time close loan) saves money on closing costs and reduces time gathering application documents.
Conforming and jumbo loans
Get the right C2P loan for you
We offer C2P conforming and jumbo loan programs to best meet your financing needs. The interest rate is locked when the construction loan closes so you know exactly what you'll be paying.
Interest-only payments
Pay less while your home is being built.
During construction, you'll make interest only payments until the project is complete, typically 12 months or earlier. That saves you money for furniture, appliances, paint, and other new home necessities.
Keep up with your home
Updates on your schedule
The builder will submit monthly draw requests as the work progresses. That means you can keep up with your new home as it's being built.
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1
Apply online
It takes only a few minutes to complete the online application.
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2
Get approved
Work with professionals to guide you through the process.
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3
Build your home
Use the funds to build your new home.
Have a question? Contact us
Who says home building has to be difficult?
Construction loans are the best of both worlds: a home you love, customized to meet your needs.
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For current rates, visit the LSCU Mortgage Center website. Mortgage rates are based on creditworthiness. Subject to credit approval.
Must be 18 years or older for any loan at Lone Star Credit Union. Rates subject to change at any time. Loan application and approval required.
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Rates effective as of: April 27, 2024
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