Real Estate Center

Construction Loans

One Time Close (OTC) – Construction-to-Permanent Loans

Kinecta’s Construction-to-Permanent loan is the perfect fit for clients looking to fund a variety of new residential construction and home renovation scenarios. Loan amounts up to $4,000,000 are available to accommodate a wide range of possibilities.

Program Highlights

  • Owner-occupied and second home California residential properties
  • One time closing with a single set of closing expenses to keep costs lower
  • Interest-only payments during the construction phase. Loan converts into a fully amortizing permanent loan
  • Construction terms available up to 24 months
  • Available loan amount and program guidelines are based on the home’s post-construction value. A single appraisal is required
  • 2 unit properties (owner-occupied) and construction pre-start options
  • California-based lender with flexible portfolio underwriting and local processing
  • Program is available to Kinecta Consumer and Business members
  • Other conditions and qualifications may apply. Speak with a Kinecta Construction loan expert today for complete details.

Contact our construction-to-permanent expert today!

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Membership requirements apply. NMLS (Nationwide Mortgage Lending Service) ID: 407870. Subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. The actual terms of the loan will depend upon the specific characteristics of the loan transaction, the applicant’s credit history, and other financial circumstances that may apply.