If you are purchasing a home once it is finished from a Builder or Developer and do not need to obtain financing for the construction of the home, you can begin the mortgage process by locking in your mortgage rate before your home is completed and avoid the risk of rising rates.

If you already have a construction loan, take up to 12 months to finish your home's construction. When you're done building, Earth Mortgage will refinance your construction loan with the low rate you locked into.

Earth Mortgage's One-Time Close Loan is a single transaction loan that includes both the construction and permanent loans. With Earth Mortgage's One-Time Close you will close on both loans at one closing, with one simple process, and pay only one set of closing cost.