Construction To Permanent Loans


Construction to Permanent Loans


Construction to Permanent Loans

Build with Confidence

Our construction lending professionals will inspect completed work at set intervals and release funds to the builder as progress is made. This is done by utilizing an interest-only line of credit during the construction process, providing you the option to select your permanent loan now or later. Your payment during construction will be based on the outstanding loan balance. Our programs allow for up to 12 months of build time with possible extensions depending upon the loan type you choose. We offer several types of construction and renovation loans to meet your needs. 


  • Trusted by Custom Home Builders
  • Experienced, Dedicated Construction Lending Department
  • Options to fit your custom home needs
  • All in-house operations

One-Time Close

United Banks' One Time Close is available for New Construction and Renovation projects. This program offers you the benefit of closing on your permanent mortgage financing and securing the interest rate terms during the construction process of your home. We have fixed or adjustable-rate permanent loan options to meet your needs with up to 12 months to complete construction.

Locate a Mortgage Loan Officer near you.

Need help? Give us a call.

We’ll get right back to you.

United Bank is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Reserve, Federal Reserve Consumer Help, PO Box 1200, Minneapolis, MN 55480.
This is not a commitment to lend. Mortgage products and services are offered through United Bank. All loan applications are subject to credit and property approval and must meet loan program requirements to qualify. Annual Percentage Rate (APR), programs, rates, fees, closing costs, terms and conditions are subject to change without notice and may vary depending upon credit history and transaction specifics. Other closing costs may be necessary. Flood and/or property hazard insurance may be required.  Speak with a Mortgage Loan Officer for more specific information.
United Bank and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.