Finance your construction, lot purchase, and mortgage with one mortgage and one closing.

Construction to Permanent home loans from Southern Trust Mortgage allow for stress-free financing when building a new home. Rather than financing all the aspects of building your home separately, the program simplifies the process by combining your construction, lot purchase, and mortgage into one mortgage and one closing.

Key Features of Construction Loans

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Generous Loan Amounts

Max 96.5% Loan-To-Value financing through FHA or 100% Loan-To-Value financing through VA or USDA (not including the funding/guarantee fee).

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All-In-One Financing

No payments are due from the homebuyer during construction. No re-qualification is required once construction is complete.

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Cost Savings

Our Construction-to-Perm loan program features a single closing, which reduces total cost to you.

Is a Construction Loan Right for You?

Why worry about re-qualifying or incurring additional costs? Designed for Manufactured, Modular, and Stick Built housing, this program offers an all-in-one financing option for construction, lot purchase, and permanent mortgage funding with one closing. Because the permanent loan is closed before construction begins, there is no need to re-qualify, simplifying the construction and purchase process.

Financing Eligibility

  • Available through FHA, VA, and USDA
  • 620 minimum qualifying credit score
  • 15 and 30 year fixed rates available
  • 1 Unit single-family residences, doublewide and triple-wide manufactured homes and modular home permitted

Why trust Southern Trust with your home financing?

Founded in 1998, Southern Trust Mortgage is a full-service mortgage lender. We offer diverse mortgage products designed to meet any home financing need. Our continued success is a result of the outstanding customer service we offer our clients and business partners. All of our loans are expedited through local processing, underwriting, and closing agents. Our industry-leading service truly sets Southern Trust Mortgage apart.

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In business since 1998

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Very competitive interest rates

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Over 65,000 loans closed

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In-house underwriting, processing and funding

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Licensed and experienced mortgage loan officers.

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Focused on developing relationships and trust.