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Construction Loans

Build your custom home with structured financing solutions designed for new construction projects.

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What is a Construction Loan?

A construction loan is short-term financing used to fund the building of a new home. Instead of receiving all funds at once, the loan is distributed in draw phases as construction milestones are completed. Once the home is finished, the loan typically converts into a long-term mortgage.

How do Construction Loans work?

  • Based on Borrower Qualifications and Builder Documentation.

    Loan approval is based on borrower qualifications and builder documentation.

  • Construction Funds Stages (Draws)

    Funds are released in stages (draws) as construction progresses

  • Interest Paid on Disbursed Amounts

    Interest is typically paid only on the amount disbursed.

  • (Construction-To-Permenant)

    After completion, the loan converts to a permanent mortgage (construction-to-permanent option).

Construction Financing for Custom Home Builders

We work directly with custom home builders and construction professionals to coordinate draw schedules, inspection timelines, and smooth funding phases. Whether building a primary residence or luxury custom home, we structure financing that aligns with project milestones.

Eligibility Criteria:

  • Strong credit profile

    Preferrably (Good to Excellent) Mortgage FICO Credit Scores

  • Documented income and assets

    Recent Paystubs, Recent W2s (or) Recent Tax Returns with P&L

  • Approved Builder and Construction Contract

    Compliance Agreement with all of each Construction Loan Program's Requirements

  • Detailed Construction Plans and Timeline

    Preparation Mapped out in Plans with Local Builder or Construction Company

  • Down-Payment Requirements Vary by Program

    Down-Payment Amount Varies by Program and Contract Agreement Requirements

Benefits of Construction Loans:

1

Custom Home Designs

Construction loans offer flexible terms and conditions, making them suitable for various financial situations.

2

Your Own Specifications

Build according to your specifications rather than purchasing Resale Inventory.

3

Flexible Financing Structure

Structured to your timeline and individual situation and process

4

Progress Managed Cash-FLow

Funds are distributed based on progress, helping manage project cash flow.

5

One-Time Close Options

6

Ability to Switch to Permenant

Simplify the process by converting directly into a permanent mortgage upon completion.

DreamLux Home Loans provides construction loan financing for custom home builds, new residential construction, and construction-to-permanent financing solutions throughout Missouri and Kansas. We coordinate directly with builders, contractors, and inspectors to ensure smooth draw funding and project completion.

Ready to Build?

Let’s structure your construction financing strategy the right way from day one.

Start Your Construction Loan Review →

Calculate Your Payments

Use our Payment Calculator to estimate your monthly mortgage payment. You can input a different home price, down payment, loan term and interest rate to see how your monthly payment changes.

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Live Market Pricing

Welcome to our comprehensive live market pricing feature! We understand that securing the best mortgage rate is crucial when making one of life’s biggest investments.

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Loan Process

Welcome to our comprehensive guide to the loan process. Whether you’re a first-time homebuyer or experienced investor, understanding the steps involved in securing a loan is crucial. We’re here to simplify this journey for you.

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See What Our Amazing Missouri Mortgage Customers Say About Us

Real reviews from Columbia, Jefferson City, Ashland & Mid-Missouri homebuyers.

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Compare Construction Loan Options by Scenario

Review construction, one-time close, and construction-to-permanent loan options for eligible Missouri and Kansas buyers building a new home.

Need a second opinion or a quick pre-approval review? Zach Brown NMLS #2156538 helps Missouri and Kansas borrowers compare loan options, costs, qualification paths, and next steps.

Call 573-301-4422Email zbrown@nexalending.com

Mortgage program availability, rates, fees, terms, and approval depend on borrower qualifications, property details, lender guidelines, market conditions, and applicable law.

Construction Loans in Missouri & Kansas

DreamLux Home Loans helps Missouri and Kansas buyers compare construction loan options for custom homes, new residential builds, builder-driven projects, and construction-to-permanent financing. Zach Brown, NMLS #2156538, can help review builder documentation, draw schedules, down payment expectations, and one-time close or construction-to-permanent options through available lending partners.

Official entity reference

Official DreamLux Loan Program and Licensing Facts

Review DreamLux Home Loans entity details, Zach Brown NMLS #2156538, NEXA Lending, service areas, and mortgage program information.

View Official Facts