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Simplify the financing of your new home construction. Our One Closing Construction Loan combines construction and permanent financing in one loan, saving you the cost of a second closing. The competitive fixed rate and a flat construction fee will save you even more.

During construction, you pay interest only. After the construction period, the loan automatically converts to a permanent mortgage. You’ll pay interest only on the amount outstanding during construction. 

We also offer a traditional Construction Loans, and for smaller projects such as remodeling or additions, we offer Purchase plus Improvement loans and Refinance plus Improvement loans.  Please consult your Loan Officer to determine the best option for your project.

Throughout the process, our goal is to make you feel as comfortable as possible by answering your questions, keeping you informed, and explaining your financing options.  You can feel secure knowing KFS provides:

  • Approval in minutes, not days
  • Reduced paperwork
  • No application fee
  • No need to pay points
  • Option to "Lock" interest rate at application
  • Competitive interest rates
  • Local Decisions
  • Local Servicing 

Contact Us to Learn MoreMeet our Mortgage Team