Construction Loans in Arizona — One Close. Zero Surprises.
Whether you're building a custom home in Phoenix, renovating in Scottsdale, or developing in Tucson — Sean Shallis structures construction-to-permanent loans with one closing instead of two, so you pay one set of closing costs.
Single close. Interest-only during build. One rate lock. One appraisal. Draw schedule managed. Originated through a national portfolio lender.
Arizona builders deserve a lender who manages the details.
Sean Shallis is a national construction loan specialist who originates through a national portfolio lender, with the same file and the same underwriter from application to close. He structures single-close construction-to-permanent loans with one closing instead of two, locks your rate before you break ground, and keeps the draw schedule on track so your builder gets paid on time.
Whether you're building a custom home in Phoenix, doing a gut renovation in Scottsdale, or combining construction financing with a physician loan — Sean's construction programs are available nationwide with the same white-glove service.
Custom Build in Arizona
Building from the ground up in Phoenix or Scottsdale? One loan, one close, one rate lock from dirt to doorstep.
Major Renovation
Gut renos and renovation-to-permanent projects in Arizona. Transform an existing structure without juggling multiple loans.
Physician Builders
Physicians building in Arizona can combine construction-to-perm with physician loan benefits. Student loan-friendly DTI available.
Investment Builders
Developing rental or investment properties in Arizona? Competitive terms for experienced investors with $100K+ projects.
One set of closing costs and one appraisal. No second closing when the loan converts.
Pay only interest on funds drawn — not the full loan amount
Lock your permanent rate before construction begins
Generous construction timeline with extension options
Sean vs. Typical Arizona Construction Lenders
Most Arizona lenders require two closings and leave you managing the draw schedule yourself.
Building Across Arizona
Sean works with builders and developers across every Arizona market — and nationwide.
Construction-to-permanent loans available for custom builds and renovations in Phoenix.
Construction-to-permanent loans available for custom builds and renovations in Scottsdale.
Construction-to-permanent loans available for custom builds and renovations in Tucson.
Construction Loan FAQ — Arizona
What's the difference between single-close and two-close construction loans in Arizona?
What's the minimum project size for a construction loan in Arizona?
Can I do a renovation-to-permanent loan in Arizona?
How does the draw schedule work?
Can I combine a construction loan with a physician loan in Arizona?
Can I include lot purchase in my Arizona construction loan?
What's the typical timeline from application to breaking ground?
Ready to plan your Arizona build?
90 seconds with Rosie to get your build budget. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.
Know Arizona before you borrow
How closings work in Arizona
Escrow and title companies run closings; attorneys are uncommon at the table.
Taxes and transfer costs
Property taxes are moderate and assessed on a limited-value basis that rises gradually; HOAs are common and their dues and rules are part of the loan file.
Insurance that shapes the file
Monsoon-season roof and water damage drive claims; wildfire underwriting applies in the high country around Flagstaff and Prescott.
Where people are buying
Phoenix · Scottsdale · Tucson · Flagstaff · Prescott. First-time and lower-down-payment programs run through the Arizona Department of Housing.
Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in Arizona →