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Construction loans

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.

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One loan

A single loan finances the lot, construction costs and permanent mortgage.

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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.

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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.

How it works

It's easy to get a C2P loan from Lone Star Credit Union.

  • 1

    Apply online

    It takes only a few minutes to complete the online application.

  • 2

    Get approved

    Work with professionals to guide you through the process.

  • 3

    Build your home

    Use the funds to build your new home.

Apply for a C2P Loan


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.

  • 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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