About This Site
Why We Built a Plain-English Guide to Construction Loans
Financing a custom home is genuinely more complicated than financing the purchase of an existing one. Draw schedules, interest-only build-phase payments, construction-to-permanent conversion, owner-builder eligibility — a lot of that terminology doesn't show up until you're already deep in the process of trying to build, and a lot of what's published online is either written for lenders and builders, not homeowners, or is a thin wrapper around a single lender's product pitch.
We built CustomHomeLoan.co to be a straight, plain-language explanation of how custom home construction loans actually work — the mechanics that are broadly true across lenders — plus a way to get connected with financing options once you understand the landscape. We don't publish numbers we can't stand behind as accurate, and we say clearly when something varies by lender instead of pretending there's one universal answer.
Who this is for
Anyone planning to build a custom home — or a barndominium or other non-traditional custom build — who wants to understand how construction financing actually works before they start comparing lenders, plus anyone who's already deep in the process and wants a plain-language reference for terms their loan officer keeps using.
What this isn't
CustomHomeLoan.co is not a lender, mortgage broker, bank, or credit union. We don't originate, underwrite, or fund loans, and we can't guarantee approval, rates, or terms with any lender. This is an independent informational resource and lead-connection service, built by Contractors Choice Agency, designed to help you ask better questions when you do talk to a licensed lender.
Our Standard
Where a figure genuinely varies by lender — rates, exact down payment percentages, draw counts — we say so plainly instead of quoting a number as if it's universal.
How We Research
We ground our explanations in how construction loan programs generally work across multiple lenders, not one lender's marketing copy.
Terms Change
Rates, down payment minimums, and underwriting standards move with the market and differ lender to lender. Always confirm current terms directly with a licensed lender.
Spot Something Off?
Tell us. If something on this site looks outdated or inaccurate, contact us and we'll look into it.
CustomHomeLoan.co is an independent informational resource and lead-connection service — not a lender, mortgage broker, bank, or credit union. We do not originate, underwrite, service, or fund loans. Loan terms, rates, down payment requirements, draw schedules, and qualification standards vary by lender, loan program, and borrower and are set solely by the lending institution you ultimately work with. Nothing on this site is a loan offer, a rate quote, a commitment to lend, or a guarantee of financing. Always confirm current terms, requirements, and availability directly with a licensed lender before making a financial decision.
Ready to See What Building Could Cost You?
Tell us a bit about your project and where you are in the process — we'll connect you with construction-loan financing options and information suited to your build. Free, no obligation.