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Build Your Dream Home in Wisconsin with a One-Time Close Construction Loan

Build Your Dream Home in Wisconsin with a One-Time Close Construction Loan

Finance your land, construction, and mortgage all in one simple loan - available anywhere in Wisconsin. My team and I make the process easy from approval to move-in.

Free New Home Construction Loan Quote

One- Time Close New home Construction Loans in Wisconsin

One-Time Close Construction Loans in Wisconsin

Building your dream home in Wisconsin just got simpler.
At Union Home Mortgage, my team and I offer One-Time Close Construction Loans - a powerful all-in-one mortgage that combines your land, construction, and permanent mortgage into one easy loan and one closing.

Whether you're building in Milwaukee, Waukesha, Green Bay, Madison, Eau Claire, La Crosse, or anywhere in Wisconsin, we're here to help every step of the way.

What Is a One-Time Close Construction Loan?

A One-Time Close (OTC) loan - also called a "single-close" construction loan - lets you:
  • Finance your land, construction, and long-term mortgage together in one loan
  • Avoid paying for two separate closings
  • Lock your interest rate before construction begins
  • Skip the hassle of requalifying later
  • Transition automatically into your permanent mortgage once the home is complete
It's the easiest way to build your home without juggling multiple loans or worrying about future rate changes.
New Construction Loans in Wisconsin
NH Construction

Benefits of Building with a One-Time Close Loan

  • One approval, one closing - simple and streamlined
  • No requalifying later
  • One appraisal based on completed home plans
  • Available statewide in Wisconsin for primary residences
  • Works with Conventional, FHA, VA, and USDA loan types

Down Payment Options

Your financing needs are unique - we offer flexible down payment options:
  • FHA Construction: 3.5% down
  • VA Construction: 0% down (for eligible Veterans)
  • USDA Construction: 0% down (in qualifying areas)
  • Conventional Construction: Typically 5 - 10% down
Need help comparing options? My team and I will walk you through each one to find the best fit.

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 for your build.
  2. Choose Your Builder and Finalize Plans:
    We work with licensed, approved builders throughout Wisconsin.
  3. Appraisal Based on Plans and Specs:
    The appraiser evaluates your completed home's value - not just the land.
  4. Single Closing:
    Close once up front - your builder draws from the loan during construction.
  5. Loan Converts Automatically:
    When your home is finished, the construction loan converts seamlessly into your long-term mortgage.
🏡 You move in - no second closing, no surprises.

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 - nothing extra
  • Local expertise, statewide coverage, and personal service
  • I guide you from land purchase to final walkthrough - so you're never left wondering what's next

Start Building Your Dream Home Today

Ready to explore building your new home with a One-Time Close Construction Loan?
Let's make it happen. Schedule a free consultation or start your application now:
Apply Online: Start Your Application
Book a Call: Schedule a Consultation
Email: azeman@uhm.com
Phone: 414-975-2654

Why an New Home Construction Loan?

Why a New Home Construction Loan?

New Home Construction Loan Qualifier
Why an New Home Construction Loan?
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