One-Time Close Construction Loans

Supreme Lending | BUILDER REALTOR ADVANTAGE

Builder Realtor Advantage: One-Time Close

One Closing. Steady Draws. Smooth Process. You build. We handle the financing — making the process seamless for builders, Realtors, and buyers alike.

☎️ Call Today to Qualify! 877.350.5225

👇 Start a Pre-Qual or Builder File👇

Which best describes you?

Whether you're a builder bringing a buyer, a Realtor with a deal in motion, or a buyer with a lot in mind — start the file here. John will respond personally within one business day.

I'm a buyer planning to build a home

I'm a builder looking for financing partners for my buyers

I'm a Realtor with a buyer building new construction

🔒 Safe, Secure, and Confidential

New Construction Financing — FHA, VA & Conventional

The One-Time Close construction loan from Supreme Lending unifies your build financing and permanent mortgage into a single, locked transaction — eliminating second closings, re-qualification risk, and the headaches that derail new-construction deals.

• Up to 96.5% LTV on primary residences

• No second closing or re-qualification fees

• Minimum credit scores: 620 FHA/VA, 700 Conventional

• Standard 5% final draw holdback

Why Builders Love It

Single Closing Start to Finish — Buyer qualifies and closes upfront; no second closing needed.
Permanent Financing Locked In — Rate locked before construction begins.
Interest-Only During Construction — Lower monthly payments while building.
Eliminates Re-Qualification Risk — No delays or fallout from a second credit check.
Transparent Draw Schedule — Funds disbursed only as milestones are completed: permits/foundation, framing, dry-in, rough mechanicals, insulation/drywall, trim/fixtures, final inspection.

Escrow Holdbacks Managed In-House — Standard 5% final draw holdback and smooth, timely disbursement.

Buyer Highlights

- Up to 96.5% LTV on primary residences
- No second closing or re-qualification fees
- Minimum credit scores: 620 FHA/VA, 700 Conventional

Realtor Advantages

- Get Paid Upfront — Full commission is earned and paid at the initial construction closing — no waiting for the build to finish.
- Simplified Timeline — Only one closing to track, making transactions easier and less stressful.
- More Confident Buyers — Permanent financing is locked before the first shovel hits the ground.
- Competitive Loan Options — FHA, VA, and Conventional programs available.

👇 Start a Pre-Qual or Builder File 👇

How many investment properties do you currently own?

Whether you're a builder bringing a buyer, a Realtor with a deal in motion, or a buyer with a lot in mind — start the file here. John will respond personally within one business day.

I'm a buyer planning to build a home

I'm a builder looking for financing partners for my buyers

I'm a Realtor with a buyer building new construction

🔒 Safe, Secure, and Confidential

Funds Released at Every Milestone

Transparent disbursement tied to verified completion. No surprises. No mystery line items. Each phase is funded as the work is done — keeping the build moving and the builder paid.

Phase 1

Permits & Foundation

Phase 2

Framing

Phase 3

Dry-In (roof, doors, windows weather-tight)

Phase 4

Rough Mechanicals (plumbing, HVAC, electrical)

Phase 5

Insulation & Drywall

Phase 6

Trim, Fixtures & Final Inspection (5% holdback released)

Backed by Supreme Lending.

Guided by John Hambrick, NMLS #2808786

Supreme Lending (Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129) was built on the principle of "Serving Others Before Self." As a nationwide mortgage lender licensed across all 50 states, Supreme has helped thousands of families and investors find the right financing for their goals.

John Hambrick, Loan Officer (NMLS #2808786), brings personalized guidance and direct accountability to every file he handles.

Construction loans live and die on communication. When framing is behind schedule, when a draw needs to release on a Friday afternoon, when a buyer gets nervous in month four — you need a loan officer who answers the phone. John Hambrick has built his practice on being that person for builders, Realtors, and the families who trust them.

Common Questions

What is a One-Time Close construction loan?

A One-Time Close construction loan combines the construction financing and permanent mortgage into one transaction. That means the buyer closes once upfront instead of going through a second closing after the home is built.

Why do builders like the One-Time Close program?

Builders benefit from a cleaner process, upfront buyer qualification, locked permanent financing, and a transparent draw schedule. Funds are released as construction milestones are completed, helping keep the build moving.

When does the Realtor get paid?

The Realtor’s commission is earned and paid at the initial construction closing, instead of waiting until the home is finished. This can make new-construction transactions more predictable and easier to manage.

What loan types are available?

The program may be available through FHA, VA, and Conventional loan options. Minimum credit scores and program requirements vary by loan type and borrower profile.

How are construction funds released?

Funds are released through a milestone-based draw schedule, including phases like permits and foundation, framing, dry-in, rough mechanicals, insulation and drywall, and final inspection. A standard 5% final draw holdback applies, subject to program requirements.

Supreme Lending | BUILDER REALTOR ADVANTAGE

Builder Realtor Advantage: One-Time Close

One Closing. Steady Draws. Smooth Process. You build. We handle the financing — making the process seamless for builders, Realtors, and buyers alike.

☎️ Call Today to Qualify! 877.350.5225

👇 Start a Pre-Qual or Builder File👇

Which best describes you?

New Construction Financing — FHA, VA & Conventional

Why Builders Love It

Buyer Highlights

Realtor Advantages

👇 Start a Pre-Qual or Builder File 👇

How many investment properties do you currently own?

Funds Released at Every Milestone

Backed by Supreme Lending.

Guided by John Hambrick, NMLS #2808786

Common Questions

Where are you in the building process?

Tell us about your build business.

Tell us about your real estate practice.

Have you selected a builder?

How many homes does your company build per year?

How often do you work with buyers building new construction?

Which loan type are you considering?

What's your current lender situation?

Do you have a buyer right now who needs construction financing?

What's your estimated credit score, and how much do you have saved?

What types of homes do you build, and how soon would you want to start using One-Time Close with your buyers?

What kind of relationship are you looking for?

When do you want to start construction?

You're a great fit. Let's get your details so John can reach out.

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