Your Guide to Construction Loans

Finance your dream home build with our complete guide to construction loans. Learn how these loans work, explore different types like FHA and one-time close, and understand how they compare to traditional mortgages to fund your project from foundation to finish.

Contact Us
Find affordable funding programs that suit your business’ needs.
Author: Staff Writer
Last update: 10/07/2025
Reviewed:
Jordan Rath
Jordan Rath

Jordan Rath is a professional finance writer at Eboost Partners with over seven years of experience in the commercial lending industry. A graduate of the University of Florida’s Warrington College of Business with a degree in Finance, he specializes in breaking down complex business lending topics to help entrepreneurs make smart, informed decisions.

See full bio

Fundamentals & Loan Types

Construction loans work differently than standard mortgages. This section covers the essential structures, including construction-to-permanent and one-time close loans, as well as government-backed programs that can help you build your home.

What Is a Construction-to-Permanent Loan? – Understand this popular loan type that converts to a traditional mortgage after construction.
One-Time Close Construction Loan – Learn how a single-close loan can simplify the financing process for your build.
Construction Loan Rates – Get insights into how interest rates are determined for construction financing.
FHA Construction Loan – Explore the features and benefits of a construction loan insured by the FHA.
USDA Construction Loan – Learn about this government-backed loan option for building a home in eligible rural areas.

Learn the Basics: Construction-to-Permanent Loans

Comparisons to Other Financing

Is a construction loan the right choice for your project? This section clarifies the key differences between construction financing and other common loans you might be considering, such as a standard mortgage or a home equity line of credit (HELOC).

Construction Loan vs. Mortgage – Understand the fundamental differences in purpose, structure, and qualification.
Construction Loan vs. HELOC – Learn why a construction loan is typically used for new builds instead of a HELOC.

See the Differences: Construction Loan vs. Mortgage

Ready to Build Your Dream Home?
Get Expert Guidance
Contents
Show More
Apply for Business Financing Today!
Or Call Us Now
(646) 846-1644