{"id":2058,"date":"2023-02-03T18:02:32","date_gmt":"2023-02-03T18:02:32","guid":{"rendered":"https:\/\/www.eastbaysmortgagebroker.com\/?page_id=2058"},"modified":"2023-02-07T19:31:39","modified_gmt":"2023-02-07T19:31:39","slug":"one-time-close-loans","status":"publish","type":"page","link":"https:\/\/www.eastbaysmortgagebroker.com\/one-time-close-loans\/","title":{"rendered":"One Time Close Loans"},"content":{"rendered":"\n[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.19.4&#8243; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; locked=&#8221;off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; width=&#8221;100%&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_slider _builder_version=&#8221;4.19.4&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h1&#8243; header_font=&#8221;||||||||&#8221; background_color=&#8221;#000000&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_slide heading=&#8221;One-Time Close New Construction Mortgages&#8221; button_text=&#8221;Talk To Chris&#8221; button_link=&#8221;https:\/\/www.eastbaysmortgagebroker.com\/contact\/&#8221; use_bg_overlay=&#8221;on&#8221; bg_overlay_color=&#8221;rgba(0,0,0,0.51)&#8221; _builder_version=&#8221;4.19.4&#8243; _module_preset=&#8221;default&#8221; background_image=&#8221;https:\/\/www.eastbaysmortgagebroker.com\/wp-content\/uploads\/2023\/02\/One-Time-Construction-Mortgages.jpg&#8221; background_enable_image=&#8221;on&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#000000&#8243; button_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221; sticky_transition=&#8221;on&#8221;]<p>We offer <span>one-time close new construction loans in California to help you finance the construction, lot purchase, and 30 year fixed mortgage into a single all-at-once closing. Save time and money on financing new construction, reduce risk of fluctuating rates, and eliminate surprises through a simple consolidated loan process.<\/span><\/p>[\/et_pb_slide][\/et_pb_slider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;2_3,1_3&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;H1 Refinance Your Mortgage&#8221; _builder_version=&#8221;4.19.4&#8243; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<h2>What are one-time close new home construction mortgages?<\/h2>\n<p>One-Time Close Loans allow borrowers in California to finance their lot purchase, home construction, and mortgage into a single loan with a minimum down payment of 5% to 10%.<\/p>\n<p>Whereas most new construction loans require two separate closings (one for the construction and the other when converting into a 30 year fixed mortgage) with a downpayment in the 25%+ range, our exclusive new construction financing gives buyers the ability to close on a single loan with pre-determined criteria for moving through the construction process and converting into a permanent mortgage.<\/p>\n<p>At America&#8217;s Home Loans, we work with homeowners and real estate developers big and small to obtain optimal One-Time Close Loans. Learn more about these types of loans below or schedule a <a href=\"https:\/\/www.eastbaysmortgagebroker.com\/contact\/\">free 15 minute consultation<\/a> with Chris to dive into the specifics.<\/p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/www.eastbaysmortgagebroker.com\/wp-content\/uploads\/2023\/02\/One-Time-Construction-Loan.jpg&#8221; alt=&#8221;One-Time Construction Loan&#8221; title_text=&#8221;One-Time Construction Loan&#8221; admin_label=&#8221;Divider Image &#8211; Apartments&#8221; _builder_version=&#8221;4.19.4&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H1 Refinance Your Mortgage&#8221; _builder_version=&#8221;4.19.4&#8243; global_colors_info=&#8221;{}&#8221;]<h2>Benefits of a one-time close mortgages:<\/h2>\n<ul>\n<li class=\"benefits\">\u2705 <strong>SAVE TIME &amp; MONEY<\/strong> &#8211; One closing means only having to cover one set of closing costs. Close on your loan once and then focus on your new construction instead of coordinating with banks.<\/li>\n<li class=\"benefits\">\u2705 <strong>LOW DOWN PAYMENT<\/strong> &#8211; A low down payment means less cash out-of-pocket initially to finance your lot and begin construction on your home. We offer down payments as low as 5% to 10% on One-Time Close Mortgages.<\/li>\n<li class=\"benefits\">\u2705 <strong>RATE MODIFICATION<\/strong> &#8211; Once construction is complete, if rates have dropped, you can lock in a new lower rate. Or if rates are higher, keep the rate you already have!<\/li>\n<li class=\"benefits\">\u2705 <strong>VACATION HOMES\u00a0<\/strong> &#8211; You can use One-Time Close Mortgages to finance either your primary residence or a vacation home &#8212; in Lake Tahoe or elsewhere!<\/li>\n<li class=\"benefits\">\u2705 <b>FIRST TIME HOME BUYERS <\/b>&#8211; Is this your first time buying or building a home? No problem! One-Time Close Mortgages are available to buyers with all experience levels, as long as you work with a general contractor with relevant experience, who can be preapproved prior to entering escrow.<\/li>\n<li class=\"benefits\">\u2705 <strong>REFINANCES<\/strong> &#8211; Already own the land? You can refinance your lot into a single One-Time Close Loan and either use your equity towards your down payment or cash out and use the funds to furnish your new home.<\/li>\n<li class=\"benefits\">\u2705 <strong>INTEREST ONLY PAYMENTS<\/strong> &#8211; During the build period, which can last up to 11 months, enjoy a lower, interest-only payment only on funds that have already been disbursed.<\/li>\n<li class=\"benefits\">\u2705 <strong>ONE APPROVAL PROCESS<\/strong> \u2013 No having to jump through the hoops of having two separate underwriting processes. One-Time Close Loans will take you all the way from purchasing or refinancing your lot and building your home to moving in and beginning regular monthly payments.\u00a0<\/li>\n<\/ul>\n<p>If all that seems too good to be true, read <a href=\"\/testimonials\">testimonials<\/a> from our satisfied clients or <a href=\"https:\/\/www.eastbaysmortgagebroker.com\/contact\/\">schedule a 15 minute consultation<\/a> with Chris.<\/p>[\/et_pb_text][et_pb_testimonial author=&#8221;Vu V.&#8221; quote_icon=&#8221;off&#8221; admin_label=&#8221;Testimonial: Vu V.&#8221; _builder_version=&#8221;4.9.2&#8243; global_module=&#8221;1274&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<p style=\"text-align: center; font-size: 2.0em;\">\u2b50\u2b50\u2b50\u2b50\u2b50<\/p>\n<p>&#8220;Chris is an incredible resource for my first house purchase. He&#8217;s quick, responsive, diligent, thoughtful, and very thorough. If you&#8217;re looking for a broker who&#8217;s experienced and on top of his game, look no further as you might&#8217;ve just found the right one here. I know I have. Thank you Chris for your great work! Looking to do more and more deals with you in the future my friend.&#8221;<\/p>\n[\/et_pb_testimonial][et_pb_text _builder_version=&#8221;4.19.4&#8243; _module_preset=&#8221;default&#8221; header_2_text_color=&#8221;#FFFFFF&#8221; background_color=&#8221;#87082a&#8221; custom_padding=&#8221;20px||15px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<h2 style=\"text-align: center;\">Single Close Construction Loan FAQs<\/h2>[\/et_pb_text][et_pb_accordion _builder_version=&#8221;4.19.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_accordion_item title=&#8221;What are one-time close construction mortgages?&#8221; open=&#8221;off&#8221; _builder_version=&#8221;4.19.4&#8243; _module_preset=&#8221;default&#8221; custom_css_main_element=&#8221;display: none;&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;How do One-Time Close Construction Loans work?&#8221; _builder_version=&#8221;4.19.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<p>One-Time Close Construction Loans are structured to move from construction financing to permanent financing with one closing. During the construction period, which can last up to 11 months, interest only payments are made based on the current draw amount.<\/p>\n<p>Once the construction is completed, your loan automatically converts into a 15-year or 30-year fixed rate mortgage and you begin paying principal and interest payments (just like a regular mortgage).<\/p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What type of One-Time Close Construction Loans are available?&#8221; _builder_version=&#8221;4.19.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;on&#8221; sticky_enabled=&#8221;0&#8243;]<p>15 year fixed, 30 year fixed, and adjustable rate mortgages are all available.<\/p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;How big of a down payment is required on a One-Time Close Construction Loan?&#8221; _builder_version=&#8221;4.19.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221; sticky_enabled=&#8221;0&#8243;]<p>The required down payment will range from 5% to 10% down, to as much more as you\u2019d like to put down.<\/p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What credit score is required for a One-Time Close Construction Mortgage?&#8221; _builder_version=&#8221;4.19.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221; sticky_enabled=&#8221;0&#8243;]<p>These are considered higher risk mortgages. As such, the minimum FICO score is 700. However no worries if you don\u2019t quite hit that requirement, as we can examine your entire financial outlook and assets to find an optimal loan solution that meets your needs.<\/p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Can I work with any contractor I want with a One-Time Close Construction Loan?&#8221; _builder_version=&#8221;4.19.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221; sticky_enabled=&#8221;0&#8243;]<p>You will be required to work with a reputable contractor who meets eligibility requirements, which will include a minimum number of years in business and a minimum home volume per year.<\/p>\n<p>As long as the contractor is reputable, carries the proper insurance, and has a successful track record of similar projects, among other things, you should be able to work with the builder of your choosing.<\/p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Can I build my own home using a One-Time Close Construction loan?&#8221; _builder_version=&#8221;4.19.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221; sticky_enabled=&#8221;0&#8243;]<p>The arms length general contractor must be who supervises all construction. You cannot be that contractor.<\/p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What&#8217;s the timeline for obtaining a One-Time Close Construction loan look like?&#8221; _builder_version=&#8221;4.19.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221; sticky_enabled=&#8221;0&#8243;]<ol>\n<li><strong>PREAPPROVAL<\/strong> &#8211; First and foremost, like any loan, get preapproved so that you know how much you can borrow to build your new home. You can contact Chris for a <a href=\"https:\/\/www.eastbaysmortgagebroker.com\/contact\/\">free 15 minute consultation<\/a> to get started or <a href=\"https:\/\/www.blink.mortgage\/app\/signup\/p\/ebmb\/getstarted\">begin the application<\/a> process yourself online.<\/li>\n<li><strong>CHOOSE A CONTRACTOR<\/strong> &#8211; Next step is to choose a reputable builder in your area who meets the eligibility requirements. We can help walk you through that process.<\/li>\n<li><strong>PREPARE A CONTRACT<\/strong> &#8211; A contract with your builder is required to determine the cost and timeline to build your home.<\/li>\n<li><strong>UNDERWRITING<\/strong> &#8211; Once the contract is complete, it will be evaluated by our underwriting team. Same as if you were purchasing an existing home.<\/li>\n<li><strong>CLOSING<\/strong> &#8211; After a final review of all documents submitted, you can sign the paperwork to close on your loan and secure financing.<\/li>\n<li><strong>BEGIN CONSTRUCTION<\/strong> &#8211; You can typically begin construction on your home within 30 days of the closing date. We will help manage the construction phase including releasing funds and ordering inspections. During this period of time, you are only required to make interest-only payments on funds that have already been disbursed.<\/li>\n<li><strong>MOVE IN<\/strong> &#8211; Once your home is complete, you can move in! At this point, your One-Time Close Construction Loan automatically converts into a 15-year or 30-year fixed mortgage. If rates have dropped since closing, you are entitled to take advantage of the new lower rates (without having to refinance or perform a second closing). Otherwise if you&#8217;ve still got the best rates, you can stick with what you&#8217;ve got.<\/li>\n<\/ol>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What type of properties can I finance with a One-Time Close Construction Loan?&#8221; _builder_version=&#8221;4.19.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221; sticky_enabled=&#8221;0&#8243;]<p>One-Time Close Construction Loans can work for a variety of home types. Contact Chris Mason today for a <a href=\"https:\/\/www.eastbaysmortgagebroker.com\/contact\/\">free 15 minute consultation<\/a> to discuss your construction project.\u00a0<\/p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;What are other names for One-Time Close Construction Loans?&#8221; _builder_version=&#8221;4.19.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221; sticky_enabled=&#8221;0&#8243;]<p>To avoid confusion when researching this loan type, keep in mind that One-Time Close Construction Loans also go by other names including:<\/p>\n<ul>\n<li><span>Single close construction loans<\/span><\/li>\n<li><span>Single close loans<\/span><\/li>\n<li><span>Construction-to-perm loans<\/span><\/li>\n<li><span>CTP Loans<\/span><\/li>\n<li><span>One-time close loans<\/span><\/li>\n<li><span>Construction conversion loans<\/span><\/li>\n<li><span>All-in-one construction loans<\/span><\/li>\n<li><span>Fannie Mae HomeReady<\/span><\/li>\n<\/ul>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;How do I get started with a One-Time Close Construction Loan in California?&#8221; _builder_version=&#8221;4.19.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221; sticky_enabled=&#8221;0&#8243;]<p>Contact Chris Mason today for a <a href=\"https:\/\/www.eastbaysmortgagebroker.com\/contact\/\">free 15 minute consultation<\/a> or begin the <a href=\"https:\/\/www.blink.mortgage\/app\/signup\/p\/ebmb\/getstarted\">application process online<\/a> to get started.<\/p>[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/www.eastbaysmortgagebroker.com\/wp-content\/uploads\/2020\/03\/Chris-Mason-480.jpg&#8221; admin_label=&#8221;Image: Chris Mason&#8221; _builder_version=&#8221;4.7.5&#8243; custom_margin=&#8221;||0px||false|false&#8221; global_module=&#8221;1068&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;Chris Mason, Loan Officer&#8221; _builder_version=&#8221;4.4.0&#8243; text_orientation=&#8221;right&#8221; custom_margin=&#8221;0px||||false|false&#8221; global_module=&#8221;1067&#8243; global_colors_info=&#8221;{}&#8221;]<p>Chris Mason, Loan Officer<\/p>\n[\/et_pb_text][et_pb_testimonial author=&#8221;Juan R.&#8221; quote_icon=&#8221;off&#8221; admin_label=&#8221;Testimonial: Juan R.&#8221; _builder_version=&#8221;4.16&#8243; global_module=&#8221;613&#8243; global_colors_info=&#8221;{}&#8221;]<p style=\"text-align:center;font-size:2.0em;\">\u2b50\u2b50\u2b50\u2b50\u2b50<\/p>\n<p>&#8220;Chris does a great job in taking the time to make sure we know what to do and what all the jargon means. He&#8217;s very responsive and patient. Critical for first-time home buyers like us! Excellent work!&#8221;<\/p>\n[\/et_pb_testimonial][et_pb_toggle title=&#8221;Areas We Service&#8221; admin_label=&#8221;Areas We Service Toggle&#8221; _builder_version=&#8221;4.16.0&#8243; global_module=&#8221;1060&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<p><strong>Our local offices<\/strong> serve the greater East Bay Area including:<\/p>\n<p>East Bay \u25e6 Berkeley \u25e6 <a href=\"https:\/\/www.eastbaysmortgagebroker.com\/oakland-mortgage-broker\/\">Oakland<\/a> \u25e6 San Leandro \u25e6 <a href=\"https:\/\/www.eastbaysmortgagebroker.com\/richmond-mortgage-broker\/\">Richmond<\/a> \u25e6 Albany \u25e6 Alameda \u25e6 Pinole \u25e6 Martinez \u25e6 Contra Costa County \u25e6 San Lorenzo \u25e6 Hayward \u25e6 Fremont \u25e6 Walnut Creek \u25e6 Concord \u25e6 Union City \u25e6 <a href=\"https:\/\/www.eastbaysmortgagebroker.com\/sacramento-mortgage-broker\/\">Sacramento<\/a> \u25e6 <a href=\"https:\/\/www.eastbaysmortgagebroker.com\/elk-grove-mortgage-broker\/\">Elk Grove<\/a> \u25e6 <a href=\"https:\/\/www.eastbaysmortgagebroker.com\/vallejo-mortgage-broker\/\">Vallejo<\/a><\/p>\n<p><strong>Our remote services<\/strong> allow us to serve clients anywhere in <a href=\"https:\/\/www.eastbaysmortgagebroker.com\/california-mortgages\/\">California<\/a> including the Los Angeles and San Diego Metropolitan Areas.<\/p>\n[\/et_pb_toggle][et_pb_cta title=&#8221;How much can we save YOU on a mortgage?&#8221; button_url=&#8221;\/contact\/&#8221; button_text=&#8221;Schedule A Consultation&#8221; admin_label=&#8221;Call To Action&#8221; _builder_version=&#8221;4.19.4&#8243; body_font_size=&#8221;12px&#8221; background_color=&#8221;#0b2302&#8243; custom_button=&#8221;on&#8221; button_text_size=&#8221;18px&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#87082a&#8221; button_border_width=&#8221;0px&#8221; button_icon=&#8221;&#xe01a;||divi||400&#8243; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; global_module=&#8221;1066&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<p>Click below or call (415) 846-9211<br \/>for a FAST &amp; FREE rate quote.<\/p>\n[\/et_pb_cta][et_pb_testimonial author=&#8221;Jessica S.&#8221; quote_icon=&#8221;off&#8221; admin_label=&#8221;Testimonial: Cynthia &#038; William&#8221; _builder_version=&#8221;4.7.5&#8243; global_module=&#8221;1248&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;]<p style=\"text-align: center; font-size: 2.0em;\">\u2b50\u2b50\u2b50\u2b50\u2b50<\/p>\n<p>&#8220;<span>Chris was fantastic to work with on our refi. He was quick to respond and got things moving faster and with a better rate than our previous lender, so we switched! He was very clear about every step of the process, answered my dumb questions with his signature positivity, and almost everything was able to be done remotely\/virtually saving us a ton of time. We closed quickly and were able to pay off our construction loan before the next payment was due. Highly recommend him to anyone. Thank you Chris!!!<\/span>&#8220;<\/p>\n[\/et_pb_testimonial][et_pb_text admin_label=&#8221;Clients Found Us By Searching&#8221; _builder_version=&#8221;4.19.4&#8243; global_colors_info=&#8221;{}&#8221;]<h2>Clients Found Us By Searching<\/h2>\n<ul>\n<li>FHA One-Time Close Construction Loans<\/li>\n<li><span>What is one time close Fannie Mae?<\/span><\/li>\n<li>Single Close Construction Loans El Cerrito, CA<\/li>\n<li>Bay Area one time close construction loan<\/li>\n<li>Single Close Construction Loan Program Bay Area<\/li>\n<li>one time close loan San Francisco<\/li>\n<li>Rocket Mortgage one time close new construction loan<\/li>\n<\/ul>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Global CTA (Footer)&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#0b2302&#8243; custom_padding=&#8221;50px||20px||false|false&#8221; saved_tabs=&#8221;all&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; background_color=&#8221;RGBA(0,0,0,0)&#8221; width=&#8221;100%&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; header_2_text_color=&#8221;#FFFFFF&#8221; background_color=&#8221;RGBA(0,0,0,0)&#8221; custom_margin=&#8221;||0px|||&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<h2 style=\"text-align: center;\">Ready for the best mortgage experience of your life?<\/h2>[\/et_pb_text][et_pb_cta button_url=&#8221;\/contact\/&#8221; button_text=&#8221;Get Started&#8221; admin_label=&#8221;Call To Action&#8221; _builder_version=&#8221;4.16.0&#8243; background_color=&#8221;#0b2302&#8243; custom_button=&#8221;on&#8221; button_text_size=&#8221;24px&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;#87082a&#8221; button_border_width=&#8221;0px&#8221; button_icon=&#8221;&#xe01a;||divi||400&#8243; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; button_text_size_tablet=&#8221;&#8221; button_text_size_phone=&#8221;20px&#8221; button_text_size_last_edited=&#8221;on|phone&#8221; custom_css_main_element=&#8221;padding-top:100px;||padding-bottom:100px;&#8221; global_colors_info=&#8221;{}&#8221;]<p>Click below to schedule a free 15 minute consultation or call <a href=\"tel:415-846-9211\">(415) 846-9211<\/a>.<\/p>[\/et_pb_cta][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"<p>We offer one-time close new construction loans in California to help you finance the construction, lot purchase, and 30 year fixed mortgage into a single all-at-once closing. Save time and money on financing new construction, reduce risk of fluctuating rates, and eliminate surprises through a simple consolidated loan process.What are one-time close new home construction [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>One Time Close New Construction Mortgages in California<\/title>\n<meta name=\"description\" content=\"We offer single close financing, allowing you to finance for the construction, lot purchase, and permanent loan into a single mortgage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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