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- Owner occupied construction loans available
- As little as 10% down payment
- Down payment can come from current value of land or lot or from cash.
- 700 + credit score allows for 10% down payment and 6.505 interest only rate during construction
- 699 and below credit score allows for 20% down payment and 7.5% interest only during construction.
- 12-18 months to finish the project
- Permanent loan must go to our bank.
- Full plans and specs from contractor needed for approval
- Debt ratio of 30/49 apply