New Home Construction Loans

One-Time Close Mortgage Financing with Union Home Mortgage

Building your dream home in Wisconsin just got easier. At Union Home Mortgage, we offer One-Time Close Construction Loans – a powerful mortgage solution that combines the cost of land, construction, and your permanent mortgage into a single, streamlined transaction.

Whether you're buying land and building in Waukesha, Brookfield, Oconomowoc, or anywhere across Milwaukee and Southeastern Wisconsin, our construction loan experts will guide you every step of the way.

What Is a One-Time Close Construction Loan?

A One-Time Close (OTC) Construction Loan – sometimes called a single-close loan – lets you:

• Finance your land, construction, and long-term mortgage all in one
• Avoid paying for two separate closings
• Lock in your rate before construction begins
• Eliminate surprises or second approvals when the build is done

At Union Home Mortgage, we simplify the process so you can focus on what matters – building your future.

Benefits of Building with a One-Time Close Loan

• One approval, one closing
• No requalifying later
• One appraisal based on completed home plans
• Available for primary residences
• Conventional, FHA, VA, and USDA loan options available

Down Payment Options

Your financing needs are unique – we offer flexible down payment options:

• FHA Construction Loan: 3.5% down
• VA Construction Loan: 0% down (for eligible Veterans)
• USDA Construction Loan: 0% down (in qualifying areas)
• Conventional Construction Loan: Typically 5 – 10% down

Need help comparing? I’ll walk you through each one.

How the Construction Loan Process Works

1. Pre-Approval with Adam Zeman & Union Home Mortgage
   We'll determine your max budget and the best loan option.
2. Choose Your Builder and Finalize Plans
   We work only with licensed, approved builders.
3. Appraisal Based on Plans and Specs
   We evaluate your future home’s value – not just the land.
4. Single Closing
   Close once up front – your builder draws from the loan during the build.
5. Loan Converts to Long-Term Mortgage Automatically
   No second closing. You just move in and start living.

Where We Lend

We help homebuyers and landowners build in:

• Milwaukee County
• Waukesha County
• Washington and Ozaukee County
• Dodge, Jefferson, and Walworth
• Brookfield, New Berlin, Oconomowoc, Pewaukee, and more

If you're building anywhere in Wisconsin, we’ve got you covered.

Why Work with Adam Zeman at Union Home Mortgage?

• Construction lending specialist with years of experience
• Fast pre-approvals and minimal paperwork
• I only ask for what AUS requires – no extra hoops
• Local expertise with personal service

I’ll guide you through the entire process – from land purchase to final walkthrough – so you’re never left wondering what comes next.

Start Building Your Dream Today

Ready to explore building your home with a One-Time Close Construction Loan?

Schedule a free consultation today:

• Book a call
• Email: azeman@uhm.com
• Phone: 414-975-2654
• 24/7 mortgage info and listings

Let’s turn your vision into reality – the right way.

Your dream home can be more than a dream Make it a reality. Explore your loan options now.