Build Your Dream Home
- Down payments as low as 10% on loan amounts up to $1,500,000
- One-time closing: Close once for construction and permanent financing
- Fixed-rate and adjustable-rate financing options available
- 12- or 18-month construction periods available
- 100% Arizona-based team
Lock in your mortgage rate for up to 1 year!
Building a home? Get peace of mind with OneLock Assurance.1
- Lock in your rate for up to 365 days
- Plan your monthly payments and manage your budget
- The rate lock comes at a fee of 1% of the loan amount and will be applied toward closing costs*
- No surprises: If the market rate is lower when you go to finance, you’ll get the lower rate. But if the rate is higher, you will have locked in your rate.
Our Construction Loan Process
Found your slice of paradise? Great! Let’s get started building your dream home today.
Consult
Speak with a mortgage loan officer.
Apply
After consulting with your loan specialist, apply with them.
Build
Interest reserve account is established up front to cover payments during construction period.
Move in
Your construction loan will be rolled into the permanent financing for your new dream home!
Why Build Your Home?
- Customize your home from floor to ceiling.
- Utilize the latest technology to future-proof your home.
- Choose your preferred builder and floor plans.
- Lower maintenance costs for a brand-new home.
Find the construction loan you need at OneAZ:
- One-time close construction loans
- Renovation loans
- Local and personalized processing for all construction loans
- Available for single family homes and PUDs (Planned Unit Development)
Finance Your Arizona Land Today with Lot Loans
Secure your piece of Arizona's future. Buy the land you love now and build when you're ready. Plus, get a rebate toward your construction loan in the future!
Short Term, Fixed Rates Available
Requires Down Payment of at least 25%
Improved or Unimproved Land
- Improved: All utilities present to the lot location
- Unimproved: All utilities are not present to the lot, but some/all are reasonably accessible
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1Apply for Lot LoanBuy improved or unimproved land
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2Construction LoanUse your lot loan rebate toward construction financing
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3Long-Term FinancingTransition to an ARM or fixed-rate mortgage when you roll your Lot Loan into a new Construction Loan
Click
Our mortgage team is ready to find the loan solution for your needs.
Call
Speak with an experienced loan officer 24/7.
Schedule
Schedule an appointment with a mortgage agent.
Need more information?
Contact an mortgage loan officer expert by completing this form.
Learn more about mortgage loans.
At OneAZ, we want you to have the tools and the knowledge to make confident, smart decisions about your finances.
Top 7 Questions You Should Be Asking Your Mortgage Lender
Before sitting down with your mortgage lender, ask these questions to have a full and better understanding of how a mortgage works and what to expect.
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Deciding whether to build a house or buy a home in Arizona may not be as easy of a decision as it once was. We want to help you make the best choice.
Keep Reading*Conditions Apply – All, or a portion, of the lock fee is refundable and shall be applied to closing costs at the closing of the loan. A refundable lock fee rebate schedule is available upon request. Forfeiture of the extended lock fee may also occur under certain circumstances.
