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Whether you are building your new dream home from the ground up or planning to renovate or expand your current one, a construction-to-permanent loan from USALLIANCE is a great foundation.

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One-time closing costs which translates into big savings
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The same low rate during your construction phase but at interest only
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The ability to take advantage of today's historic low rates by locking in your permanent rate at the time of application
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Financing for renovation or rehabilitation of your existing home or for brand new construction from the ground up

Features include:

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Financing for Purchase and Refinance Transactions
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Fixed Rate Loan Terms of 10, 15, 20 and 30 Years
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Eligible Property Types: Owner Occupied Single Family Dwellings Only (Investor properties, multi-unit dwellings, condos and co-ops are not eligible)
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Minimum Credit Score (FICO) of 680* is required
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Conforming Loan Amounts to $424,100 and Jumbo Loan Amounts up to $1,500,000+
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Required down-payment or equity in property as low as 20%

*Please note that exceptions may be available on case-by-case basis for FICO as low as 620 with strong compensating factors, approval is required and rate add-on's will apply. Additional conditions apply. Borrower's must meet all established program requirements and guidelines. Terms, including down-payment requirements, may vary based on actual loan amount and program selected. All terms subject to change without notice.

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“I've been a member for almost a year and I love this credit union. The application process is so quick and easy! I am a member for life.”
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