Construction-to-Permanent Loans in Wisconsin – Build Your Dream Home with One Loan (2025 Guide)
Want to Build a Home in Wisconsin Without the Hassle of Two Loans?
Construction-to-Permanent Loans Wisconsin are one of the smartest ways to build your dream home in 2025. This one-time close mortgage allows you to combine your construction and permanent financing into one easy loan - saving you from double closings, second appraisals, and unnecessary paperwork.
If you're planning to build in 2025, here's what you need to know.
What Is a Construction-to-Permanent Loan?
This loan is a single mortgage that covers two phases:
- Construction Phase - Funds are released in stages to pay your builder while the home is being built.
- Permanent Phase - Once construction is done, the loan automatically converts to a traditional mortgage - no second closing, no new approval, no surprises.
🔁 One loan. One closing. One less headache.
Why Wisconsin Homeowners Love One-Time Close Loans
✅ No Second Closing Costs
✅ Lock in Your Rate Before Construction Starts
✅ Simplified Process with My Team Managing Every Step
✅ Choose Your Lot + Builder (within guidelines)
✅ Build Your Custom Home With Confidence
Who Qualifies for a Construction-to-Permanent Loan?
Requirements vary slightly by lender, but here's a quick overview:
- Minimum 620 credit score (higher preferred)
- 5 - 20% down depending on loan type (VA, FHA, or conventional)
- Approved builder and construction contract
- Debt-to-income ratio under 45%
Need help getting qualified? That's where my team comes in.
My Team Specializes in Making Construction Loans Easy
Most lenders avoid construction loans - we specialize in them. Here’s how we help you succeed:
- ✅ Underwrite income and credit up front
- ✅ Coordinate directly with your builder
- ✅ Streamline the draw process and timeline
- ✅ Minimize your paperwork (just what's required - nothing more)
- ✅ Offer FHA, VA, and conventional options
And yes - I offer one-time close VA construction loans in Wisconsin.
Wisconsin-Specific Construction Tips
- Start early - Cold weather delays can hit in fall/winter.
- Work with a licensed builder - Required for loan approval.
- Lot financing - Already own land? Great. Need financing for the lot too? We can help.
- Ask about permanent loan options - Choose fixed or adjustable terms once the home is complete.
Ready to Build Your Dream Home in 2025?
Whether you're building in Waukesha, Brookfield, Lake Country, or anywhere across Wisconsin, I've got you covered.
📞 Call or text: 414-976-2654
📅 Schedule a planning call
📝 Start your construction loan app
Need Instant Help? Ask My AI Mortgage Assistant
Want answers right now? Tap into my 24/7 mortgage tool built just for Wisconsin homebuyers:
👉 Ask the Mortgage Assistant Now