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New Construction Loan

At Certainty, we know that one size doesn’t fit all when it comes to loan products for your new build. Whether you are a first-time homebuyer or a seasoned pro, we have a financing option that will fit your needs.
 

New construction

Building your dream home is an exciting time. A good first step is getting pre-qualified with our Digital Mortgage application so you'll be armed with the knowledge of how much you can expect to be approved for. Once you find the ideal community and the right home, you'll be ready to go under contract.

Your Certainty Loan Officer will provide you with guidance throughout the new home construction process. You will be supported by an in-house loan processing, underwriting and closing team who are committed to closing your loan on time. Our new build lending options includes everything from down payment assistance programs to jumbo loans and long-term rate locks.
 

A Guide to New Construction Financing

Building your dream home is possible! And with Certainty Home Loans by your side, you can navigate the mortgage process with confidence. This guide is to help you navigate your financing journey and help you know what to expect every step of the way.


 
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Work with a team experienced in new construction financing 

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Work with your Loan Officer to find the loan product right for you

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Be kept in the loop every step of the way

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Common new build questions, answered.

The answer to this stems in personal preference and varies greatly from one person to the other based on what he or she values in a home. You should look at each home for its individual characteristics. Generally, older homes may be in more established neighborhoods, offer more character, and have lower property tax rates. People who buy older homes, however, should be prepared to maintain their home and making some repairs. Newer homes usually have modern architecture and systems, are usually easier to maintain, may be more energy-efficient, and can often be move-in ready. People who buy new homes may appreciate warranties that accompany their home systems or not want to be concerned with potential renovations and repairs in the short term.
At Certainty, we know that one size doesn’t fit all when it comes to loan products for your homebuyers. Whether you are working with first-time homebuyers or a seasoned pro, we have a financing option that will fit their needs. Our new build lending suite includes everything from down payment assistance programs to long-term rate locks and buy down programs.

Learn more about our available loan options here.
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