{"id":149,"date":"2023-12-19T10:40:39","date_gmt":"2023-12-19T10:40:39","guid":{"rendered":"https:\/\/wikipedy.com\/?p=149"},"modified":"2023-12-19T10:40:41","modified_gmt":"2023-12-19T10:40:41","slug":"understanding-fha-one-time-close-construction-loans","status":"publish","type":"post","link":"https:\/\/wikipedy.com\/understanding-fha-one-time-close-construction-loans\/","title":{"rendered":"UNDERSTANDING FHA ONE-TIME CLOSE CONSTRUCTION LOANS"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">WHAT IS AN FHA ONE-TIME CLOSE CONSTRUCTION LOAN?<\/h2>\n\n\n\n<p>Assume you\u2019re about to embark on the beautiful path of building your new house. Traditionally, two loans would be required: one for the construction period and another for the mortgage. This process, however, is streamlined into a single loan with an&nbsp;<a href=\"https:\/\/texasfha.org\/fha-construction-one-time-close\/\">FHA One-Time Close Construction Loan<\/a>. This means less paperwork, lower closing expenses, and less worry!<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-us.googleusercontent.com\/mrmI2zMwcz_vfInHDy1c8S6XoH-MEHr1-YX0b9r2PTWxaG1D-8bVdbG6CHMqo_bRG2H0q2vZRHf8PsKgPYYIs4T42LGEgo0QcreYeZh-YbkjyjissNwDUrvKhuTlmLJhmJM6fzDKyMAs8ziSO7pm5ko\" alt=\"\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">HOW DOES IT WORK?<\/h3>\n\n\n\n<p>This loan combines construction and mortgage financing into a single loan. When you close on this financing, the clock starts ticking on your construction timeline. You collaborate with your builder to create your dream home, and the lender pays the builder at various stages of construction. The loan immediately changes to a long-term mortgage after the house is built. Isn\u2019t that convenient?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">ADVANTAGES OF CONSTRUCTION-TO-PERMANENT LOANS<\/h3>\n\n\n\n<ul>\n<li><strong>Lower Down Payment<\/strong>: FHA loans are recognized for their low down payment requirements, which can be as low as 3.5% of the total cost of the property. This makes it more accessible, particularly for first-time homebuyers.<\/li>\n\n\n\n<li><strong>Flexible Credit Requirements<\/strong>: Don\u2019t be concerned if your credit history could be better. FHA loans are more accommodating, making homeownership more accessible to a broader spectrum of people.<\/li>\n\n\n\n<li><strong>One-Time Closing<\/strong>: You go through the closing procedure only once, which saves time and lowers closing fees.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">WHO IS ELIGIBLE?<\/h3>\n\n\n\n<p>FHA One-Time Close Construction Loans are accessible to qualified US residents. A minimal credit score (typically about 580), a decent debt-to-income ratio, and the capacity to make the requisite down payment are all requirements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">SELECTING A BUILDER<\/h3>\n\n\n\n<p>Working with a licensed and approved builder is critical. According to the FHA, the builder must be a licensed contractor with a good reputation. This guarantees that your home will be built to high standards and&nbsp;<a href=\"https:\/\/www.federalregister.gov\/documents\/2020\/12\/08\/2020-26376\/fair-housing-act-design-and-construction-requirements-adoption-of-additional-safe-harbors\">comply with all applicable rules<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">THE BOTTOM LINE<\/h4>\n\n\n\n<p>Building a home is a significant undertaking, but an FHA One-Time Close Construction Loan can make the process much more manageable. It\u2019s a good alternative for many prospective homeowners because of its simplicity, smaller down payment, and flexible credit standards.<\/p>\n\n\n\n<p>Remember that every financial situation is different, so it\u2019s always a good idea to speak with a mortgage counselor to see if this loan fits you. They can give you personalized guidance and guide you through the complexities of home financing.<br><a href=\"https:\/\/time.com\/personal-finance\/article\/what-are-construction-to-permanent-loans\/\">Building your dream house<\/a>&nbsp;is an exciting journey, and it can be a rewarding and pleasurable experience if you have the necessary tools and resources. Best wishes on your home-building adventure!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>WHAT IS AN FHA ONE-TIME CLOSE CONSTRUCTION LOAN? Assume you\u2019re about to embark on the beautiful path of building your new house. Traditionally, two loans would be required: one for the construction period and another for the mortgage. This process, however, is streamlined into a single loan with an&nbsp;FHA One-Time Close Construction Loan. This means [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>UNDERSTANDING FHA ONE-TIME CLOSE CONSTRUCTION LOANS - Wikipedy - About FHA Loans<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wikipedy.com\/understanding-fha-one-time-close-construction-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UNDERSTANDING FHA ONE-TIME CLOSE CONSTRUCTION LOANS - Wikipedy - About FHA Loans\" \/>\n<meta property=\"og:description\" content=\"WHAT IS AN FHA ONE-TIME CLOSE CONSTRUCTION LOAN? Assume you\u2019re about to embark on the beautiful path of building your new house. Traditionally, two loans would be required: one for the construction period and another for the mortgage. This process, however, is streamlined into a single loan with an&nbsp;FHA One-Time Close Construction Loan. This means [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wikipedy.com\/understanding-fha-one-time-close-construction-loans\/\" \/>\n<meta property=\"og:site_name\" content=\"Wikipedy - About FHA Loans\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Capital-Home-Mortgage-powered-by-Sun-West-Mortgage-Co-Inc-NMLS-3277-106737132147205\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-19T10:40:39+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-12-19T10:40:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lh7-us.googleusercontent.com\/mrmI2zMwcz_vfInHDy1c8S6XoH-MEHr1-YX0b9r2PTWxaG1D-8bVdbG6CHMqo_bRG2H0q2vZRHf8PsKgPYYIs4T42LGEgo0QcreYeZh-YbkjyjissNwDUrvKhuTlmLJhmJM6fzDKyMAs8ziSO7pm5ko\" \/>\n<meta name=\"author\" content=\"Gerry Nicodemus\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@ChmTexas\" \/>\n<meta name=\"twitter:site\" content=\"@ChmTexas\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Gerry Nicodemus\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/wikipedy.com\/understanding-fha-one-time-close-construction-loans\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/wikipedy.com\/understanding-fha-one-time-close-construction-loans\/\"},\"author\":{\"name\":\"Gerry Nicodemus\",\"@id\":\"https:\/\/wikipedy.com\/#\/schema\/person\/63eca30799480a99a854bfe4ea3f38c4\"},\"headline\":\"UNDERSTANDING FHA ONE-TIME CLOSE CONSTRUCTION LOANS\",\"datePublished\":\"2023-12-19T10:40:39+00:00\",\"dateModified\":\"2023-12-19T10:40:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/wikipedy.com\/understanding-fha-one-time-close-construction-loans\/\"},\"wordCount\":423,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/wikipedy.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/wikipedy.com\/understanding-fha-one-time-close-construction-loans\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/lh7-us.googleusercontent.com\/mrmI2zMwcz_vfInHDy1c8S6XoH-MEHr1-YX0b9r2PTWxaG1D-8bVdbG6CHMqo_bRG2H0q2vZRHf8PsKgPYYIs4T42LGEgo0QcreYeZh-YbkjyjissNwDUrvKhuTlmLJhmJM6fzDKyMAs8ziSO7pm5ko\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/wikipedy.com\/understanding-fha-one-time-close-construction-loans\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/wikipedy.com\/understanding-fha-one-time-close-construction-loans\/\",\"url\":\"https:\/\/wikipedy.com\/understanding-fha-one-time-close-construction-loans\/\",\"name\":\"UNDERSTANDING FHA ONE-TIME CLOSE CONSTRUCTION LOANS - 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