One-Time Close Construction Loan Program
Build the Home You've Always Imagined
One Loan. One Closing. One Simple Path to Your New Home.
Whether you're purchasing land, already own your lot, or are ready to begin building with your selected builder, Voyage Home Loans can help simplify the financing process.
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Our One-Time Close Construction Loan allows qualified buyers to finance the land (if needed), construction costs, and permanent mortgage with one loan and one closing—making it easier to build your dream home with confidence.
Why Build Your Dream Home with Voyage
Expert Guidance from Blueprint to Move-In
Building a custom home is exciting—but financing it can feel overwhelming. Whether you're purchasing land, selecting a builder, or preparing for construction, Voyage Home Loans provides the financing solutions, education, and personalized guidance to help you confidently navigate every stage of the building process.
One-Time Close Financing
Finance your land purchase, construction, and permanent mortgage with one loan—reducing paperwork and eliminating the need for multiple closings.
Builder Flexibility
Already have a builder? We'll work with approved builders and help guide you through the financing requirements before construction begins.
Finance Land & Construction
Whether you're purchasing a lot or already own land, we'll help structure financing that supports your custom home project from start to finish.
Interest-Only Construction Payments
During construction, many One-Time Close programs offer interest-only payments based on the amount of funds that have been disbursed.*
Construction Loan Guidance
From selecting your builder through final closing, our experienced mortgage advisors help you understand every step of the construction financing process.
Construction Financing Expertise
We'll help you explore construction financing options available through our network of lending partners and guide you from land purchase through permanent financing.
Loan programs, interest rates, down payment requirements, and eligibility vary by lender and borrower qualifications. Down payment assistance programs are subject to availability and program guidelines. Voyage Home Loans is an independent mortgage brokerage and does not directly fund loan products.
Who Qualifies?
✓ Buyers purchasing or already owning a buildable lot
✓ Borrowers planning to build a primary residence
✓ Buyers working with an approved custom or production builder
✓ Qualified borrowers interested in a One-Time Close Construction Loan
✓ Buyers financing both land and construction together
✓ Borrowers building single-family homes, eligible multi-unit primary residences, or custom homes*
✓ Homebuyers looking to lock in permanent financing before construction begins
Our experienced construction loan advisors will will review your project, builder, financing goals, and timeline to help determine whether a One-Time Close Construction Loan is the right fit for your new home.
Program eligibility, builder approval, property type, and loan guidelines vary by lender.
Why Work With Voyage Home Loans?
As an independent mortgage brokerage, Voyage Home Loans helps homebuyers explore One-Time Close construction financing through multiple lending partners—making it easier to finance your land, construction, and permanent mortgage with one streamlined loan.
One-Time Close Expertise
We understand the unique requirements of construction financing and help coordinate the process from builder approval through final closing.
Access to Multiple Lenders
As an independent mortgage brokerage, we compare construction loan programs from multiple lending partners to help identify financing that fits your project and goals.
Personalized Construction Guidance
Receive one-on-one support throughout your construction journey—from purchasing your lot and selecting a builder to moving into your completed home.
Construction Financing Expertise
Our experienced mortgage advisors help you explore construction financing solutions available through our network of lending partners and tailored to your homebuilding goals.
Important Program Information
Voyage Home Loans, LLC (NMLS #2454986) is an independent mortgage brokerage and is not the direct lender for all loan programs offered. Physician mortgage programs and other financing solutions are available through approved lending partners and may be offered in multiple states, subject to lender guidelines and applicable licensing requirements.
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Voyage Home Loans is currently licensed to originate residential mortgage loans in Indiana and Florida, with additional state licensing planned as the company continues to expand. Program availability, interest rates, loan terms, eligibility requirements, and underwriting guidelines are subject to change without notice and may vary by lender and state.
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The information provided on this page is intended for general educational purposes and should not be construed as a commitment to lend or a guarantee of program availability in every state.
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All mortgage loans are subject to credit approval, property approval, and program qualifications. Not all applicants will qualify. If you are purchasing outside our current licensed states, we encourage you to schedule a consultation to discuss your financing options and available resources.