In the process of building your dream home on land you've already purchased? TC Lending can assist you with a flexible Construction to Permanent loan.

Because Construction to Permanent Loans are often considered Refinances, the need for a down payment is usually eliminated. Both fixed rates and adjustable-rate mortgages (ARMs) are available.

Loans are treated as refinances only if the customer has owned the land for more than a year; otherwise, the loan is treated as a purchase.

TC Lending is your lender, and we handle the Construction and Permanent financing. This feature allows greater flexibility, personalized service, and quick closings.

Our methods work for you. We obtain the Loan-to-Value ratio, or LTV, by using the appraised value of the property. You only pay interest during the construction phase.