After attending the Parade of 首页。s and mentally piecing together your ideal home; after spending countless hours on Pinterest and Google poring over new floor plans, 花岗岩与. quartz countertops, and eco-friendly homes, you’ve officially decided to build your dream home.

祝贺你! 现在?

Your first step shouldn’t be into the kitchen and bath showroom, it should be into a financial institution to secure funding. Whether you choose Arbor Financial Credit Union as your construction loan partner or go with another lender, it’s important to understand the process and find someone who can help you navigate the ins and outs of your construction loan.

步骤1. 得到预先核准的. This allows you to establish the budget for your new home. At Arbor Financial, it’s a quick and easy process that begins with a phone call or 电子邮件 to our mortgage loan officers who will have you complete a 预先批准的应用程序 and set up an appointment to meet – whether it be face-to-face or over the phone if it’s more convenient. Case-in-point: George and Erica Dudik lived over 40 miles away from the nearest Arbor Financial branch and never visited a branch during their lending journey.

步骤2. 选择一个合格的建造者. If you don’t already have a builder in mind, contact the local 住宅建筑商协会 你所在地区的特许总承包商名单. 采访几个建设者并联系他们的推荐人. 确保他们清楚地了解你的需求, 并且能够灵活地满足客户不断变化的需求. “在此过程中，我们做了一些改变,” said Arbor Financial member and first-time home builder Erica Dudik. “It was great to have a builder that was willing to work with us.”

步骤3. 最终批准 & 一次性关闭. When you’ve selected your builder and decided on your home, you’re ready to close on your loan! 用一次性封闭建设贷款, your loan automatically converts to permanent financing once construction is complete. This saves time by not having to take time off work for another trip or call into the credit union for additional document signing, and also saves you money by not requiring additional closing costs. After your construction loan has been approved, you should not apply for any additional credit.

一旦你的建筑贷款被关闭，乐趣就开始了! “As first-time builders, we were unaware of the process,” admits Erica. “Arbor Financial一直非常关注, 病人, and helpful as we worked on selling our home and transitioning to a construction loan. Their staff are friendly and competent, and their service has been outstanding.”

考虑建造一个家?
拨打269.544.3105 or 电子邮件 to connect with a mortgage originator and get the conversation started today.