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Buying new construction? We’ve got you covered.

construction loan - opes advisors


Our new Construction Loans offer low down payments


Opes Advisors designed our suite of loan products to provide the low down payments and flexible terms you need1, from the purchase of the lot to the moment you walk in the door2. Along with the competitive rates and extraordinary service you’ve come to expect from us, we now offer:


Conforming One-Close Construction Loan

  • Covers both construction and permanent financing
  • Note will be modified upon completion of construction
  • 6, 9, or 12-month construction terms


Jumbo Construction Draw Loan

  • Full construction financing with loan amount up to $3 million—funds are drawn to build the home3
  • Borrower must be approved upfront for final loan refinance at completion of construction
  • 12-month construction term


FHA Construction-to-Permanent Financing Loan

  • Provides both construction and permanent financing
  • Offers single loan with one closing, one set of fees
  • 12-month construction term


Contact your Mortgage Advisor today to learn how one of these products may cater to your financing needs.


1 Construction products require full third-party builder contracts. Borrower may not act as their own general contractor or builder. Some restrictions may apply. Purchase or rate/term refi. Primary residence or second home.

2 Not available in AK or HI.

3 Interest-only payments required on draw loans.


This is not a commitment to lend. Terms and restrictions apply and are subject to borrower eligibility and credit approval.


While Opes Advisors, a division of Flagstar Bank, Member FDIC, uses all reasonable efforts to ensure that this information is current, accurate and complete on the date of publication, no representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information. Opes Advisors, a division of Flagstar Bank, Member FDIC, therefore, cannot be held liable for any loss arising or indirectly from the use of, or any action taken in reliance on, any information appearing in this email.