Build It From the
Ground Up.
Finance your dream custom home or next investment build. One loan. One close. No surprises.
From Lot to Keys
One loan that carries you through planning, construction, and permanent financing.
Pre-Qualify
Submit plans, builder info, and your finances. We respond within 24 hours.
Appraisal
We order a subject-to appraisal based on your plans and specs.
One Close
Sign once. Lock your permanent rate. No re-qualifying later.
Draw Funds
As construction progresses, draw funds on an approved schedule.
Convert & Move In
Automatically converts to your permanent mortgage at completion.
Construction Loan Details
| Loan Amounts | $150,000 – $5,000,000+ |
| Loan-to-Cost (LTC) | Up to 90% of total project cost |
| Loan-to-ARV | Up to 75% of appraised value |
| Term | 12–24 month construction + 30-yr permanent |
| Rate | Starting at 8.75% construction phase |
| Permanent Rate | Locked at origination |
| Interest Payments | Interest-only during construction |
| Down Payment | As low as 10% of total project |
| Credit Score | 680+ preferred |
| Builder | Licensed general contractor required |
Property Types We Finance
- Custom single-family homes
- Spec homes & semi-custom builds
- Tear-down and rebuild projects
- 2-4 unit investment properties
- Accessory dwelling units (ADUs)
- Mixed-use development (small scale)
Why One-Close?
- Lock your rate today — No floating construction rate risk or rate change at conversion
- No second closing costs — Save thousands compared to two-loan strategies
- No re-qualifying — Qualify once. Your loan converts automatically at completion
Builders & Homeowners Who Built with Epic
"We built a spec home for $620k. Epic funded 80% and the draw process was smooth. Sold for $850k in 30 days of certificate of occupancy."
"The one-close saved us from a nightmare. When rates started moving, we were already locked. Every other builder we know got burned."
"Our third construction loan with Epic. The draw inspector is fast, funds release within 48 hours. This is how it's supposed to work."