Building Your Future

Turn Your Dream Home into a Reality

Building a new home is an exciting journey, and at Oak Leaf Community Mortgage, we’re here to make the financing process just as fulfilling. Our New Construction Loans are designed to provide flexible, affordable solutions for your home-building project. Whether you’re constructing your first home or a custom dream house, we have the expertise to support your vision from the ground up.

Best For: This program is ideally suited for prospective homeowners looking to build custom homes, builders undertaking new residential projects, and investors focused on new construction properties. It’s designed to support the unique financial requirements that come with constructing a new home from the ground up.

What We Offer:

Let’s Connect!

We’re here to answer your questions and get you started on your mortgage journey.

"*" indicates required fields

By providing your phone number and email address above and pressing the submit button below, you agree to receive automatic text and email messages from Oak Leaf Community Mortgage and also agree to our Privacy Policy. Message frequency may vary. Message and data rates may apply. Reply Help or Stop to Cancel.
This field is for validation purposes and should be left unchanged.

Simplifying the Construction Loan Process



Start with a pre-approval to understand your budget and get a clear picture of your financing options.


Loan Application:

Complete our user-friendly loan application, providing details about your construction plans and budget.


Approval and
Draw Schedule

Once approved, our team will work closely with you to establish a draw schedule that aligns with your construction milestones, ensuring you have access to funds when you need them.


Construction and Inspections:

As your new home takes shape, we’ll coordinate regular inspections, releasing funds according to the agreed-upon draw schedule to keep your project moving smoothly.


Final Inspection and Conversion:

Upon the completion of your construction project, a final inspection will take place to ensure everything meets the highest standards. At this point, your loan can be converted to a traditional mortgage, providing you with long-term financing for your dream home.

Building Your Future

Getting Started:

Begin Your Construction Loan Journey today!

Building Your Future with Confidence

At Oak Leaf Community Mortgage, your new home construction is more than just a project; it’s the beginning of a new chapter in your life. With our supportive team, competitive products, and personalized service, you can focus on bringing your dream home to life while we handle the financial details.

Success Stories

“Choosing Oak Leaf Community Mortgage for our new construction project was one of the best decisions we made. From the moment we met with their team, we knew we were in good hands. They guided us through the entire process, from pre-approval to the final inspection, with professionalism and expertise.

Our dream home is now a reality, and we couldn’t be happier. Oak Leaf’s competitive rates and flexible draw schedules made financing our project a breeze. Their loan officers were always available to answer our questions and provide support when we needed it.

We’re not just homeowners; we’re homeowners with a home that’s truly our own. Thank you, Oak Leaf, for helping us build our dream.”

- Paul & Jane D., Achieved Homeownership with Oak Leaf's New Construction loan

Frequently Asked Questions

Interest rate options for New Construction Loans can vary based on market conditions and your specific financial situation. It’s best to discuss your options with one of our loan officers who can provide you with the most up-to-date information and help you choose the right rate for your project.

Yes, you can use your own contractor for the construction of your new home. We will work with you and your chosen contractor to ensure that the project meets all necessary requirements and milestones.

The duration of the construction loan process can vary depending on factors such as the complexity of your project, the availability of required documentation, and the time it takes to complete construction milestones. On average, the process may take several weeks to a few months. Our loan officers will work closely with you to provide a more accurate timeline based on your specific project.