Build your dream home with a single closing that covers both construction and permanent mortgage. Swiftlend vets and approves your contractor.
Get Pre-Approved →Min. Down Payment
5%
Loan Range
$100K – $5M
Min. Credit Score
700 Conv / 620 VA
Rates From
10.99%
One-time close construction loans let you build a custom home with a single application, single closing, and single set of fees. No need to refinance from a construction loan into a permanent mortgage — it converts automatically.
Homeowners building a custom home on their own lot
US citizens with 700+ FICO (Conventional) or 620+ (VA)
Builders and contractors approved by Swiftlend
Properties with minimum value of $150,000
Tell us about the property and your situation. No documents yet — just a 5-minute conversation online or by phone.
Soft credit check, zero score impact. Pre-approval letter sent the same day — usually within the hour.
Your dedicated loan officer guides you through every step, from rate lock to closing day.
No fees. No commitment. No fine print. Just a clear answer on what you qualify for — today.