I already own land
Your land equity may become part of the financing strategy.
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
1dedicated guide
YOUR BUILD PLAN01 / 04
LANDPLANSBUILDHOME
YOUR GUIDEClay SchmeisserConstruction Loan Officer
✓PERSONAL GUIDANCEIN-HOUSE CONSTRUCTION TEAMONE-TIME CLOSE (OTC) EXPERTISE
FIND YOUR STARTING POINT
Could One-Time Close financing work for your build?
Many buyers never realize this financing exists. Start with the situation that sounds most like yours.
I’m still looking for land
The land purchase may be combined with eligible construction financing.
I have a builder or plans
Let’s review the builder, project budget, and smartest next step.
I’m just starting to explore
You don’t need every answer yet. Clay will help you map out the process.
Not sure where you fit? That’s exactly what the first conversation is for.
Show me my optionsProgram availability and financing options are subject to borrower, property, builder, and project eligibility.
YOUR PROJECT. THE RIGHT PATH.
Your custom home may be closer than you think!
Explore the three One-Time Close financing paths Clay can help qualified borrowers navigate.
01
VA OTCVA OTC
Construction financing designed for eligible Veterans, active-duty service members, and qualifying military families.
Explore VA OTC →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.
WHY WORK WITH CLAY?
You bring the vision.
I’ll help build the financing game plan.
Construction loans have a lot of moving parts—I’m not going to pretend they don’t. My job is to help you make sense of the land, builder, plans, budget, and financing so we can put together a game plan that actually works for you.
Work directly with me
No call center and no getting passed around. You’ll have direct access to me throughout the process.
Construction-focused guidance
I’ll help connect the land, builder, plans, budget, and financing into one clear game plan.
More than one financing path
We’ll look at the available VA, FHA, and Conventional OTC options that may fit your build.
An in-house construction team
You’ll have the support of a coordinated CrossCountry Mortgage construction team from planning through completion.
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.
YOUR BUILD. YOUR GAME PLAN.
Book a time with Clay.
Choose a phone call or Zoom meeting that works for you. No pressure—just a real conversation about your build, timeline, and smartest next move.
30 minutes2 ways to meet1 clear game plan
YOUR TIME. YOUR BUILD. YOUR NEXT MOVE.
Ready when you are.
See Clay’s real-time availability, then choose a phone call or Zoom meeting that works for you.
Opens securely right here—no new website.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.