Construction and 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 during construction, then modify it for permanent financing.

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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 lower rates.

Term choices

Adjustable-rate mortgage options include a variety of terms with interest only during construction.

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.

FHA construction options

FHA construction programs allow for as little as 3.5% down payment and fixed rate loan after the home is completed¹.

HomeStyle renovation

If you are working with a contractor, but not building a new home, the fixed rate of a HomeStyle Renovation loan may work for you.

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Connect with a local lending professional

Our loan officers are ready to help you take the next step. Just select your location to find a specialist near you.

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Disclosures

¹ FHA Construction Programs. Huntington is not acting on behalf of, or at the direction of, HUD/FHA or the federal government.

All loans subject to application and credit approval, satisfactory appraisal and title insurance. Terms, conditions and loan programs are subject to change without notice. Other terms, conditions and restrictions may apply.