Build your dream home

with a one-time close construction loan.

Highlights:

• One closing for construction and permanent financing.
• FHA loans to 96.5% LTV with a 650 minimum FICO.
• VA loans to 100% LTV with
a 620 minimum FICO.
• USDA loans to 100% LTV
with a 650 minimum FICO
• Manufactured homes require 650 minimum FICO.

Benefits include:

• One closing can reduce closing costs.
• Interest rate is locked for the permanent loan.
• Borrower makes no payments during construction.
• First payment starts after construction is complete.
• Borrowers do not have to requalify after construction is complete.
• Lower costs with one appraisal and one set of closing docs.
• No expiration on credit docs or appraisal once the loan closes.

Reach out today to explore your options!

ROBERT L. SORRELLS

Branch Manager - Condo Lending Specialist | NMLS# 415747

(C) 251-923-6105
[email protected]

Get Started
BRANCH NMLS. 2665179 | 309 E. 21st Ave. Suite D Gulf Shores, AL 36542 | 251-923-6105

Programs and products are available as of 07/25/2026 and are subject to change. Nations Lending arranges but does not originate certain products | Speak to a Personal Mortgage Advisor for more details