Ascend Capital LendingBuilder partnerships
Construction and permanent loan options
The right structure depends on who owns the land, who is financing construction, when the buyer closes, and how the project transitions into permanent financing.
Match the loan structure to the build
Possible paths may include builder-financed construction followed by a buyer’s permanent mortgage, a one-time-close construction-to-permanent loan, or separate construction and permanent financing. Each approach can create different requirements for land, deposits, appraisals, builder approval, rate timing, documentation, and closing.
Reviewing these choices early helps clarify responsibilities and allows the financing timeline to be coordinated with the construction contract and expected completion date.