One-Time Close Construction Loans

One-Time Close Construction Mortgage allows a borrower to purchase or Refinance a lot and the costs of building a new home. These loans are underwritten once prior to closing and then modified upon completion to permanent phase. One-Time close construction loans are offered with FHA, Conventional and VA loans. These loans only have one closing that makes the fees and process much easier and affordable.

Advantages of One-Time Close Construction Loan

Who Can Benefit?

Clients are looking to build a new house and buying the land.

Clients are looking to do their consturction loans and save money during the process.

Taking an advantage of VA and FHA and products with lower or no down-payment.

Finding the desired land or lot and building your dream home in your desired location.


USA Mortgage Advantage


  • Underwriting, processing and funding did in the house.
  • Fannie Mae direct lender which means easier closings and fewer conditions.
  • Less paperwork across the board.
  • Fast turn times on approval and funding.

Apply for Construction Loans

USA Mortgage Columbia regional office has many locations in the state of Missouri, Arkansas, Illinois, and Kentucky. We have all the resources needed to make your dream a reality. If you are willing to move forward with your next home purchase, contact us to get started. A local mortgage broker will guide you every step of the way.

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