One-Time Close Construction Loans 2018-10-12T00:33:34+00:00

One-Time Close Construction Loans

Start your new home financing journey off right with the Mesa mortgage team with the fastest turnaround times in the industy, KHoward Mortgage Team.

KHoward Mortgage Team in Mesa Arizona

Custom homes are becoming more popular since they give buyers the option to have a unique property that provides the style and features that they want. But buying a custom home poses a problem for some since they can’t get traditional financing on a home until construction is actually finished. That’s where Arizona one-time close construction loans come in.

Also known as construction-to-permanent loans, these loans are granted to a buyer when a home is still being built, and they are converted to permanent loans once the home is finished. KHoward Mortgage Team specializes in offering Arizona one-time close construction loans, and we are committed to helping buyers find the best rates to purchase their dream homes.

Get Pre-Approved
480-442-8834

Arizona Mortgage Calculator

Calculate your monthly mortgage payments, interest rate, property taxes, and home insurance!

Home Affordability Calculator

Evaluate how much real estate you can afford with our quick and simple affordability calculator.

Arizona Refinance Calculator

Determine whether refinance is the right choice for you with our easy-to-use refi-calculator.

Top-Rated Single Close New Home Construction Loan Lenders in Mesa, Arizona

The KHoward Mortgage Team is a top-rated lender of single close new home construction loans in Mesa and in the state. We offer competitive rates on these loans, which are often less than what the builder would be able to get. Some borrowers can get as much as three percentage points lower on their interest than the builders, which can save a few thousand dollars. Since builders know they won’t be incurring these costs, they may be more willing to pass on the savings to buyers by knocking a little off the asking price.

Our team does everything we can to help our borrowers get the lowest interest rates possible to make their homes more affordable. Even one percentage point can save you significantly over the life of the loan, and we work hard to shave everything we can off the interest rate. Contact us today to learn more about the process or to get pre-qualified for a loan!

Mesa mortgage lenders on Google Maps
Yelp five star Mesa mortgage company
Best mortgage brokers in Mesa on Zillow
Social Survey KHoward Mortgage Team ratings
Recommended Arizona mortgage lender on Facebook

Arizona’s #1 One-Time Close Home Construction Loan Lenders

We didn’t become Arizona’s #1 one-time close home construction loan lender just by offering great interest rates! KHoward Mortgage Team has developed a reputation as the best thanks to our thorough, professional, and friendly service. We are committed to meeting our clients’ needs, and that means offering a thorough financial analysis, helping them understand the borrowing and custom new home construction process, checking out the reputation of the home builder, and more.


Kirk and the staff that I worked with were awesome they were very informative there was no delays they understood my prior situation and made the home-buying process a great one.Top-Rated Mortgage Team in Mesa, Arizona

The people in the office made it fun! This can be an arduous experience, and levity along with professionalism made it a better experience than I had in my last home purchases.Top-Rated Mortgage Team in Mesa, Arizona

Kirk Howard is a true professional and a straight shooter. He has closed 2 purchase loans for me in the last 8 years and is always available for questions even in the years in between.Top-Rated Mortgage Team in Mesa, Arizona

Buying a custom home is an exciting process, and our team is committed to making sure it is also a financially responsible one, as well. Our agents are available by phone and email, and they respond to communication promptly. They ensure that all your questions are answered and that you are comfortable and knowledgeable throughout the lending process. Schedule a meeting with one of our agent’s today and find out why we are the one-time close home construction loan lender that Arizona loves!

Join Our Free Monthly Newsletter
Connect With Us On Social Media
Arizona New Construction Mortgage Pre-Approval

Arizona New Construction Mortgage Pre-Approval

Builders typically pay more for their loans, and buying when the home is finished puts you on the line for two closing processes. By getting pre-approved for a new construction mortgage, you can let your builder know that you are saving them money, and you can feel good knowing that you are saving yourself a few thousand dollars in closing costs. Talk to The KHoward Mortgage Team today about getting pre-approved for a new construction mortgage so that you are adequately prepared when you start talking to custom home builders. You’ll save money, and the process will move forward more quickly.

One-Time Close Construction Loan Calculator, Costs & Affordability

One-Time Close Construction Loan Calculator, Costs & Affordability

You already know how you can save money with a one-time close construction loan. Now take a look at brass tacks and see exactly how much you can expect to pay in monthly costs and over the long run. Check out our one-time close construction loan calculator to better understand the costs associated with these loans and to determine what you can afford. You may have a figure in mind, but until you actually factor in potential interest rates and other fees, you won’t know for certain. Play around with our calculator to get a figure in mind, and then meet with a member of The KHoward Mortgage Team to firm up the numbers.

One-Time Close Construction Loan Rates in Arizona

One-Time Close Construction Loan Rates in Arizona

Interest rates on one-time close construction loans in Arizona are great right now, but The KHoward Mortgage Team is dedicated to helping our borrowers get the very lowest rates possible. We know that even a half a percentage point off your interest can save you big in the long term, and we will do whatever we can to make your loan affordable for your budget. Our dedication to offering the lowest rates possible on one-time close construction loans is part of what makes us a top Arizona mortgage lender, and it has earned us the loyalty and referrals of many of our clients.

Down Payment Requirements for One-Time Close Construction Loans

Down Payment Requirements for One-Time Close Construction Loans

You can get a one-time close construction loan with as little as 3.5 percent down if you qualify for the FHA loan. However, you will get the best interest rates and terms if you put down a bigger down payment – preferably 20 percent. Our agents will work with you to help you understand how your loan terms will change depending on how much you are able to provide as a down payment, and they will help you explore options for securing the down payment if you do not have the required amount in savings. Call us today to start the process for getting pre-qualified and learn about your options.

Single Close Construction Loan Lenders in Mesa

Single Close Construction Loan Lenders in Mesa

There are many single close construction loan lenders in Mesa, but none that will give you the same service, commitment, and competitive rates that you will get from our Mesa AZ mortgage team. We pride ourselves on offering exceptional service from the first point of contact to closing, including our interpersonal interactions, our responsiveness, and the loan terms we’re able to offer. Previous clients have left us glowing reviews attesting to the quality of our service, and we’re sure that if you contact us, you’ll see why. Call us today to set up a meeting and to learn more about your options for a single close construction loan in Mesa.

One-Time Close VA Construction Loan Lenders in Arizona

One-Time Close VA Construction Loan Lenders

If you are a United States veteran, you have many benefits to thank you for your service, and getting special terms on a one-time close construction loan is among them. The KHoward Mortgage Team is an experienced and top-rated one-time close VA construction loan lender headquartered in Arizona, and we’re happy to work with veterans and help them find the best terms for their mortgages. We’ll help you get the full benefits for which you are eligible, including the best rates on your one-time close construction loan. Call us today to talk with a VA home loan mortgage banker and to learn more about VA home loan and one time close mortgage benefits available.

Arizona FHA One-Time Construction Loan Company

Arizona FHA One-Time Construction Loan Company

The Federal Housing Administration, or FHA, offers a number of loans for first-time homebuyers. These loans are designed to make it easier to buy your first home, even if you don’t meet all the criteria for traditional loans. The FHA also offers a one-time construction loan, and it includes a lower down payment, lower interest rates, and a simpler lending process. The KHoward Mortgage Team is a FHA one-time construction loan company in Arizona, and we can help you qualify for these loans and get the best terms possible. Contact our office today to learn more or to find out if you qualify!

Conventional One-Time Close Construction Loans in Mesa, AZ

Conventional One-Time Close Construction Loans

You may not be a veteran or a first-time home buyer, but that doesn’t mean that you are without options. The KHoward Mortgage Team also offers conventional one-time close construction loans, and we are just as committed to helping you find the best rates and terms, even if you do not qualify for any special programming or assistance. We can help you find 15- or 30-year loan options, and we may be able to find options that include a lower down payment or ways to finance your down payment. Call our office today to talk with one of our agents and begin exploring your options.

Calculate

Mortgage Payments & Affordability

Purchase price
Please enter here the amount you expect to pay for a home.
Enter a value
Down payment
Down payment is cash that you pay upfront for your home.
0.0%
Enter a value
Term in years
Number of years you have to pay.
years
Enter a value
Interest rate (per year)
The percentage of interest that you will pay on your mortgage for a specific term.
%
Enter a value
Property tax
Enter your property tax here if you know it.
per year
Enter a value
Home insurance
Most lenders require home insurance. Enter its price here.
per year
Enter a value
PMI
PMI is Private Mortgage Insurance which is usually required to pay if your Down payment less than 20%.
per month
Enter a value

Your total monthly payment

$


Principal & Interest: $

Experienced One-Time Close Home Loan Lenders in Arizona

Options and programs for one-time close home loans are always changing. You need an experienced mortgage lender in Arizona who understands how the options can change and who knows how to find the best and most relevant programs for your needs. The KHoward Mortgage Team has been offering one-time close home loans in Arizona for many years, and our agents have decades of experience among them. They know how to find the best programs for all types of borrowers, and they are always up-to-date about recent legislative and programmatic changes that affect borrowers.

New Construction Mortgage Bankers Near Me in Mesa Arizona
New Construction Mortgage Bankers Near Me

Don’t let Google tell you about “new construction mortgage bankers near me.” Contact the team that has a proven reputation for excellence and for securing competitive rates.

#1 One-Time Close Mortgage Lenders in Mesa Arizona
#1 One-Time Close Mortgage Lenders in Mesa

Our dedication, years of experience, and resourcefulness allow us to get the results you need. That’s what makes KHoward Mortgage the top-rated one-time close mortgage lender in Mesa.

Local One-Time Close Home Loan Company in Mesa Arizona
Local One-Time Close Home Loan Company

Our team lives and works in Arizona, and they are committed to helping our community thrive. Choose the local one-time close home loan company that is committed to your success.

One-Time Close Home Financing Nearby Me in Mesa AZ
One-Time Close Home Financing Nearby

Since our offices are in Mesa, we make it easy on you to get the one-time close home financing you need. You can easily meet with our agents and sign off on paperwork.

Best New One-Time Close Construction Home Lenders in Arizona
Best New Construction Home Lenders in Arizona

We take our reputation as the best AZ mortgage banker seriously. Contact us to find out why so many have called us the best new construction home lender.

Affordable One-Time Close Home Loans in Mesa Arizona
Affordable One-Time Close Home Loans

Small changes to your loan terms make a big difference. Work with us to get competitive and affordable rates on your Arizona one-time close home loan.

Our team didn’t get the experience they have without a commitment to excellence – otherwise, they would have been put out of business a long time ago. When you work with our team, you get a lender who is wholly committed to your success, ensuring that you get the right loan for your home and your budget. Contact us today to talk with an agent and begin the process of getting pre-qualified for your one-time close home loan.

Get In Touch

KHoward Mortgage Team has been working with great agents and clients since 1997.

Apply Now

Contact Us

PHONE
480-442-8834
ADDRESS
2913 N Power Rd #108
EMAIL
Send A Message
HOURS
Mon — Fri 9AM to 5PM
FAX
480-719-8808
KHoward Mortgage Team