NC · Construction & Mortgage Finance
One loan.
One closing.
One less thing to plan.
A One-Time Close construction loan combines your construction and permanent financing into a single loan — one closing instead of two. hooWray Home Lending helps you understand how your land, builder, budget, and draw structure fit into that process before you commit to any of it.
Prefer to talk first? Call or text(828) 234-9585
●Licensed in North Carolina · NMLS #87661
●FHA · VA · USDA · Conventional One-Time Close
●Equal Housing Opportunity
●Understand your construction budget before closing
Additional financing options
More than construction financing
Planning a renovation or need a financing solution outside traditional guidelines? hooWray Home Lending also helps borrowers explore renovation and specialty financing options.
Start the conversation
Let's talk about your construction plans.
Whether you're exploring the idea of building or already have land, plans, and a builder — an early conversation walks through each piece before you commit to any of them.
- 01LandWhat you own or plan to buy, and how it factors into financing.
- 02Builder & budgetWhat lenders need from your builder, and how your budget is structured.
- 03Draws & permanent financingHow the One-Time Close loan carries you from groundbreaking to move-in.