Building a Home in Southeast Wisconsin? Here’s What to Know About Construction Loans
Dreaming of building your own home in Waukesha, Brookfield, Oak Creek, or anywhere across Southeast Wisconsin? Whether you're creating your forever home from the ground up or finishing an already started build, financing construction requires a specific approach - and the right lending partner.
At Union Home Mortgage, I help buyers secure smart construction-to-permanent loans that make the entire build process smooth, affordable, and stress-free.
What Is a Construction Loan?
A construction loan is a short-term loan that funds your home build in phases - called "draws" - based on the builder's progress. Unlike a traditional mortgage, construction loans are more flexible to meet the needs of both the homeowner and the contractor.
What we offer at Union Home Mortgage:
- Interest-only payments during construction
- One-time close (your construction and permanent loan in one step)
- Fast draw disbursements aligned with builder progress
- Local underwriting and a team that knows Southeast Wisconsin builders
Who Should Consider a Construction Loan?
If you're planning to:
- Build a custom home from scratch
- Purchase land and build over time
- Finish an incomplete or partially built property
- Skip the bidding wars and design your dream home
…a construction loan could be your best option.
Whether it's a primary residence, second home, or new build on your own land, I'll help tailor the financing to fit your vision and timeline.
Why Construction Lending Makes Sense in Southeast Wisconsin
With limited existing home inventory, new construction is booming across:
- Brookfield - high-end builds and limited resale supply
- Waukesha County - great schools, land availability, and acreage
- Franklin / Oak Creek - expanding subdivisions and custom lots
Homebuyers are turning to construction financing to gain control, value, and long-term satisfaction from their homes.
Step-by-Step: How It Works
- Pre-approval based on your credit, budget, and plans
- Build timeline review with your contractor or builder
- Draw schedule set up for phased payments during the build
- One-time closing - your loan converts to a permanent mortgage when construction is complete
That means no refinancing, no second set of closing costs, and no disruption when you're ready to move in.
Let's Build It Together
Whether you've got your blueprints or just the dream, I'll walk you through the process and ensure you're fully prepared - financially and logistically.
📞 Call/Text: 414-975-2654
📩 Email: azeman@uhm.com
📅 Schedule a free consult: https://calendly.com/adam-zeman/30min