Construction to Perm Finance options available to you

We know financing isn’t one size fits all. Together, with our network of partners, we’ll help you figure out what financing option best fits you.

One-time close Construction to Perm Loan

Already have land?

If you already own your lot, you will need a one-time construction to perm loan. With this loan product, the value of your land can be used to mitigate the down payment amount needed to convert your loan into a traditional mortgage.

This is good for you if

Ready to get started building

Already own your land free and clear

One-time close Construction to Perm Loan

Paying cash for your land?

Buy your lot in cash to lower the down payment needed for the construction to perm loan. This structure also lowers the amount of interest you will pay during the construction process. At the end of the build, the construction loan is converted into a traditional mortgage.

This is good for you if

Have liquid assets and can purchase your lot in cash

Desire lower interest payments during your build

Two-time close Construction to Perm Loan

Land-to-Build Program

One of our partnered lenders, Kyle McDonough with Mid-America Mortgage, created the land to build program. This two-time close products allows you to buy a lot with little money down and a faster closing process. With lots selling so quickly, this can provide you an option in purchasing land usually in 30 days or less. This is a great option for those looking.

This is good for you if

You need to access the equity in your current home

Want to stay in exisiting home while new home is built

Our Process

We’ve worked with our partner lender to create financial products specific to custom homebuilding to help get you started on building a home.

Pre-approval

Get pre-approved to know what your overall budget will be—including cost estimates for taxes, insurance, construction interest, and closing costs.

Atmos DEPOSIT

Your deposit goes towards any outstanding land due diligence needs and retains our designers to work on your custom floor plan.

con. Loan closing

Construction begins once you sign the builder contract and the construction loan closing takes place. The Atmos deposit is credited to your overall Atmos fee.

Start building custom

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