Construction Loan Lenders & Builder’s Risk Insurance

We have searched for the most competitive construction-to-perm loan programs in the mortgage industry coupled with excellent service from experienced and qualified loan officers. The lenders we have selected offer the best in construction financing. Our lenders are always on call for you – so feel free to contact them and find out what program is best for you.

Preferred Lenders

Portrait of Brian Morley

Fulton Mortgage Company

Highlights include: Up to a 24 month construction term, fixed and adjustable rates, low down payment options, flexible underwriting guidelines namely with applicants who own their current home.

“At Fulton Mortgage Company, a division of Fulton Bank, we have crafted a number of construction to permanent loan solutions to meet the needs of all of clients.  We offer a full suite of both fixed rate and adjustable rate products, with a flexible construction period of 10 to 24 months.  At Fulton Mortgage we understand the needs of construction applicants and have built unique products that allow for as little as a 5% down payment, and flexibility with applicants that own their current home.  We look forward to the opportunity to help you build and finance the home of your dreams.”

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A portrait photo of Jeff Starcher, preferred lender from Shore United Bank.

Shore United Bank

Highlights include: True one time close construction to permanent financing | 90% no mortgage insurance

“In a continuing effort to help our clients, realtors and builder partners, we have increased our maximum loan amount on the 90% financing to $2,000,000.  For well qualified buyers, 90% financing is available for both PURCHASE and CONSTRUCTION PERM financing in a single loan with no PMI.”

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Mya Tran-Harter portrait

The Mya Group at Intercoastal Mortgage, LLC

Highlights include: Extremely flexible guidelines, up to 24 month construction term available, VA financing available, Local lender with local servicing/draw administration.

“As SVP of Construction Lending at Intercoastal Mortgage LLC, I have a hands-on approach to the construction loan process and consider myself a true partner to my clients.  I am involved in every step of the construction loan, including being the point of contact DURING construction – clients are not passed on to a different department.  With a flexible product suite to meet the needs of our clients, we are solution oriented with a heightened commitment to the client experience.  Financing should be the easiest part of building a home, so clients can focus on designing the home of their dreams!”

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Portrait of Jeff Schroll

First National Bank Corp

Highlights include: Choice of fixed rate or ARM products

“FNB’s one time close construction loan program is construction financing made easy. We offer 0point options on our full line of our construction loan products, you only pay points if you choose to. Applicants can choose one of our fixed rate products or select an ARM product, no need to worry about refinancing after construction. Qualified applicants do not need to sell their current home thus avoiding the hassle and expense of multiple moves.”

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Builder's Risk Insurance

Portrait of Mindy Aguirre

Mindy Aguirre State Farm Agency

Highlights include: Obtain your Builder's Risk Policy that converts to a Homeowners Policy upon completion of your home. Flexible deductible and liability options.

“My agency has years of experience insuring new home construction projects and makes the process simple. We work closely with your builder to ensure we have the information we need to protect you during the construction process. We follow up with our clients all the way to when construction is complete. At that time your policy converts to a Home Owners policy. Ask me about my own experiences with the construction of a home with Classic Homes of MD.“

Insure with Mindy

We can build your financing confidence too.

Let us take the mystery out of your financial considerations. Our experience, knowledge and resources are yours for the asking.

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