Construction Loans Financing Your Dream Home Build

Construction loans provide short-term financing for borrowers planning to build a new home. These loans cover the cost of land acquisition, labor, and materials during the construction phase, allowing homeowners to manage the project with confidence and financial support.
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Flexible Short-Term Financing for New Builds

Construction loans are typically short-term, interest-only loans during the build phase. Funds are disbursed in stages, based on verified construction progress, which allows for better cash flow management and cost control. We coordinate draw schedules, inspections, and documentation to ensure that funds are released accurately and efficiently. Our guidance minimizes delays and keeps your project on track.
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Ideal for Custom Homes and Residential Projects

These loans are ideal for custom home builds, major home expansions, or significant renovations requiring substantial funding. By providing tailored financing, construction loans help turn architectural plans into tangible results. Our team evaluates your project budget, timeline, and property plans to recommend the appropriate loan structure. We focus on ensuring financing supports both the construction process and long-term homeownership goals.
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Benefits of Construction Loans

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Financing for custom home builds, expansions, or major renovations

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Funds disbursed in stages based on verified construction progress

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Competitive rates with conversion to permanent financing

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Structured support to keep projects on budget and on schedule
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Competitive Rates and Structured Repayment

Construction loans typically offer competitive rates during the build phase, followed by conversion to a permanent mortgage once construction is complete. This approach allows borrowers to plan for predictable monthly payments once the project is finished. We help assess conversion options, rates, and term lengths to ensure your permanent financing is optimized. Our goal is to provide clarity and affordability throughout both the construction and mortgage phases.
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Why Choose Andy – Gagliano Mortgage, Inc.

At Andy – Gagliano Mortgage, Inc., we are committed to providing personalized mortgage solutions that meet the unique needs of every borrower. Our team combines deep industry expertise with a client-first approach, ensuring that each step of your loan process is clear, efficient, and tailored to your financial goals. Whether you are a first-time homebuyer, seasoned investor, or looking to refinance, we guide you with transparency and professionalism from application to closing.

We are known for

Personalized Service: Every client receives tailored guidance and solutions based on their unique financial profile and homeownership goals.

Expertise Across Loan Programs: From conventional and VA loans to DSCR and renovation financing, we provide knowledge and support for a wide range of mortgage options.

Transparent Communication: We keep you informed at every step of the mortgage process, ensuring clarity and confidence from application to closing.

Efficient, Smooth Closings: Our team proactively manages documentation, underwriting, and timelines to deliver a seamless mortgage experience.

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Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

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"FAQs"

We provide a wide range of residential loan programs including Conventional Loans, DSCR Loans, VA Loans, FHA Loans, Jumbo Loans, USDA Loans, Down Payment Assistance, First-Time Homebuyer Programs, Fixed-Rate Home Equity Loans, HELOCs, Fix & Flip Loans, Non-QM Loans, Purchase Loans, Refinance Loans, Reverse Mortgages, Construction Loans, and Renovation Loans. Our team helps you choose the right loan based on your financial goals and property type.

Qualification depends on factors such as credit score, income, debt-to-income ratio, and the type of loan you are applying for. We offer personalized consultations to review your financial profile and guide you toward the loan programs that best fit your situation.

Yes! We specialize in programs designed for first-time homebuyers, including options with low down payments, flexible qualification criteria, and access to Down Payment Assistance programs to help make homeownership more achievable.

Absolutely. We offer refinance options to lower your interest rate, reduce monthly payments, adjust your loan term, or access home equity through cash-out refinancing. Our team will evaluate your current mortgage and financial goals to determine the most beneficial strategy.

Getting started is simple. Contact us at +1 (205) 979-4412 or email andy@gaglianomtg.com. We will schedule a consultation to review your goals, assess your financial profile, and guide you step-by-step through the application process to secure the loan that best fits your needs.

Expert Guidance From Start to Finish

Construction loans require careful oversight of draws, inspections, and compliance with lender requirements. At Andy – Gagliano Mortgage, Inc., we manage these steps and keep you informed throughout the build. From initial approval through project completion and permanent financing, our team provides clear communication and structured support. We aim to make your construction loan experience seamless and stress-free.