01
VA OTCVA OTC
Construction financing designed for eligible Veterans, active-duty service members, and qualifying military families.
Explore VA OTC →VA · FHA · CONVENTIONAL
Build the home
you actually want.
One-Time Close (OTC) construction financing may combine your land, construction costs, and permanent mortgage into one streamlined loan.
1initial closing
3financing paths
1experienced guide
YOUR BUILD PLAN01 / 04
LANDPLANSBUILDHOME
YOUR GUIDEClay SchmeisserConstruction Loan Officer
✓PERSONAL GUIDANCEIN-HOUSE CONSTRUCTION TEAMONE-TIME CLOSE (OTC) EXPERTISE
YOUR PROJECT. THE RIGHT PATH.
Building may be more
accessible than you think.
Many buyers assume custom construction requires perfect credit, a massive down payment, or a complicated two-loan process. One-Time Close (OTC) financing can change that conversation.
02
FHA OTCFHA OTC
A powerful, often-overlooked path for qualified buyers who want to build without conventional loan requirements.
Explore FHA OTC →03
CONV OTCConventional OTC
Flexible construction-to-permanent options for qualified borrowers, custom homes, second homes, and more.
Explore CONV OTC →Not sure which path fits? That’s exactly what the first conversation is for.
FROM DIRT TO DOORSTEP
A clear course through
a complex process.
Tell me about the build
Land, location, timeline, budget, and where you are in the planning process.
Choose the right path
We compare the VA, FHA, and conventional options that may fit your project.
Prepare the project
Your financing, builder, plans, appraisal, and construction budget come together.
Close once. Then build.
Construction draws fund the work before the loan transitions to permanent financing.
START WITH THE PROJECT
Where are you in
your building journey?
No pressure and no need to have every detail figured out. Pick the answer that comes closest.
CS
Dream BIGGER. Finance smarter. Whether you have plans and a builder or just an idea and a piece of land, we’ll map out the next move.
A REAL PERSON. A REAL PLAN.
Call, text or email?
Call, text, or email Clay directly. Construction financing has a lot of moving parts, and a quick conversation can bring the whole picture into focus.
Building in a state that isn’t listed below? Reach out anyway. Clay may be able to obtain the appropriate license, or connect you with a licensed member of his CCM team who can help.