Construction & Home Financing Loans

Build and finance simply. With our one-time-closing construction loan, you get money to build your home and finance it. You'll use it to pay your builder after construction, then modify it for permanent financing.

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Construction Loans | Huntington

Why choose a construction loan?

One Time Close

One closing for construction and permanent financing saves you time and money on closing costs.

Float Down Options

If interest rates improve during the lock period, you can exercise the "float down" option to take advantage of the lower rates.

Term Choices

ARM options include a variety of terms with interest only during construction. Plus, you can refinance to a fixed loan after completion.

Other Construction Loan Features

Lot Loan Options Our lot loan product is designed to provide short-term financing, so you can purchase land on which you intend to build a home.
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FHA Construction Options FHA Construction programs allow for as little as 3.5% down payment and a 30-year fixed loan after the home is completed.1
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Multi-Unit Properties Permitted FHA Construction financing allows properties up to 4-units and up to $521,250 mortgage limits.2
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HomeStyle Renovation If you are working with a contractor, but not building a new home, the fixed rate of a HomeStyle Renovation loan may be best for you.
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1Huntington is not acting on behalf of, or at the direction of, HUD/FHA or the federal government.

2There are standard limits for 1-unit, 2-unit, 3-unit and 4-unit properties.

All lending products are subject to application and credit approval. Home equity loans and lines also subject to acceptable appraisal and title search.

Mortgages

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