One Close. One Expert. Zero Surprises.

A two-close loan requires separate closings (and separate fees) for the construction phase and the permanent mortgage. Single-close combines both into one loan, one closing, one set of fees, and no risk of rate changes or re-qualification between phases.

The minimum project size is $100K. This applies to both new construction and renovation-to-permanent projects. There's no maximum — Sean regularly structures construction loans for custom builds well into the millions.

Yes. If you're doing a gut renovation or major structural work, renovation-to-permanent financing rolls your purchase (or refinance), renovation costs, and permanent mortgage into a single close. The property must be uninhabitable during construction to qualify.

Funds are released to your builder at pre-agreed milestones (foundation, framing, mechanical, etc.). Sean coordinates inspections and approvals so draws are released promptly. You only pay interest on funds that have been drawn — not the full loan amount.

Yes. Physicians building custom homes can access construction-to-permanent financing with physician loan benefits including favorable DTI treatment for student loans. This is one of Sean's specialties — building the dream home without the typical physician lending restrictions.

Plan for 30-45 days from application to closing. You'll need approved plans, a licensed builder, and a detailed budget. Sean's team works in parallel with your builder to keep the timeline tight. The construction phase itself typically runs 12-18 months.

Yes. If you haven't purchased your lot yet, the single-close loan can include lot acquisition, construction costs, and your permanent mortgage — all in one loan with one closing. If you already own the lot, its equity counts toward your down payment.