FHA One-Time Close Program

This construction to permanent loan is a true one time close construction loan for new manufactured, modular, or one unit stick built homes.  By providing financing for the construction loan, lot purchase and permanent financing all into one loan, there is no need for re-qualifying, re-appraisals and additional closing costs.  It is a true solution to today's limited supply market.  



  • Credit Scores Down to 620
  • 15 and 30 yr Terms
  • 96.5% Loan To Value
  • Double and Triple Wide Manufactured Homes OK
  • Modular Homes
  • One Unit Stick Built House
  • No payments required during construction period





Already Own The Lot?

If you already own the lot or have an equity position you can apply this equity to your required down payment.  


All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Corporate NMLS Unique Identifier # 32416. Verify a mortgage company or individual license on the Nationwide Mortgage Licensing System Consumer Access site: www.nmlsconsumeraccess.org. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes: and the consumer should consult a tax advisor for further information regarding the deductibility of interest and charges. U.S. Dept. of Housing & Urban Development Mortgagee-FHA Lender ID # 23773-0000-0, 23773-00017 (Unconditional Direct Endorsement Approved), USDA SFHGLP Approved, Department of Veterans Affairs VA Automatic Lender 56997-00-00. Nations Lending Corporation