Oklahoma County Home Loans
New Construction Loans in Oklahoma County, OK
Your Oklahoma County new construction loans start with a real conversation. New construction loans in Oklahoma County, OK for custom homes and new builds. One-time close construction-to-permanent financing, land-plus-build structures, interest-only payments during construction, and FHA and VA new construction options. CDL Mortgage takes you from blueprints to permanent mortgage without a second closing.
Serving Oklahoma City, Edmond, Midwest City, Del City, Bethany, Warr Acres, Nichols Hills, Choctaw, Harrah, Jones, Luther, Spencer, Arcadia, The Village, Nicoma Park, Forest Park, Lake Aluma, Woodlawn Park, Valley Brook, Smith Village and every community in Oklahoma County.
Why CDL MTG
Why Oklahoma County homeowners call us first.
Experienced loan officers, honest pricing, and a process that respects your time.
Competitive Rates
Your scenario gets priced across many lenders, so you see real options instead of a single quote.
Flexible Terms
Flexible guidelines for self-employed income, rental properties, and less common property types.
Fast & Simple Process
A secure document checklist tailored to your loan, with pre-approvals turned around quickly.
Local Expertise
Real loan officers familiar with Oklahoma County market conditions, reachable by phone.
The Process
Your path to closing on new construction loans.
Here is exactly how your loan moves from application to funding.
- Step 01
Talk to a Loan Officer
A quick, no-pressure conversation about your goals, timeline and budget.
- Step 02
Submit Your Documents
A short, secure checklist tailored to your loan — no guesswork, no busywork.
- Step 03
Get Pre-Approved
We shop lenders, review your Loan Estimate line by line, and issue your approval.
- Step 04
Close With Confidence
We keep you, your agent and escrow updated through funding day.
Local Expertise
New Construction Loans for Oklahoma County homeowners.
From Oklahoma City to Smith Village, we work with borrowers in all 20 of Oklahoma County's cities.
Focused on Oklahoma County
CDL Mortgage Services Inc. helps buyers and homeowners across Oklahoma County navigate the new construction loans process from first conversation to final signature. We are fully licensed to lend in Oklahoma and support Oklahoma County borrowers with the same responsive, personal process our home-market clients receive.
Real People, Not a Call Center
Every file is handled by a licensed loan officer — not a call center. We shop multiple wholesale lenders on your behalf to find competitive pricing, walk you through your Loan Estimate line by line, and keep you, your agent, and escrow updated at every milestone so there are no surprises at the closing table.
More Than One Program
Beyond new construction loans, Oklahoma County clients also come to us for new construction loans, new home construction loans, new construction financing, and more. Whatever your situation — first home, move-up purchase, investment property, or tapping equity — we’ll match you with the right program.
Get a free New Construction Loans quote in Oklahoma County, OK
A licensed loan officer will reach out with your options — no obligation, no credit pull to start.
Prefer to talk? (916) 624-0767
Service Area
Mapping our Oklahoma County coverage.
Serving Oklahoma City, Edmond, Midwest City, Del City, Bethany, Warr Acres, Nichols Hills, Choctaw, Harrah, Jones, Luther, Spencer, Arcadia, The Village, Nicoma Park, Forest Park, Lake Aluma, Woodlawn Park, Valley Brook, Smith Village, and every community across Oklahoma County, Oklahoma.
Licensed, regulated & trusted.
CDL Mortgage Services Inc. · NMLS #132263 · Equal Housing Lender
Google Reviews
What Our Clients Say
Eli is the man. Best rates and always available to speak. 10/10 would recommend
Left a 5-star rating.
Eli Shannon was truly on top of everything! He’s knowledgeable, and as a mortgage broker, he guided me through securing a loan seamlessly. He helped me through the entire process efficiently and got things done right on time 👍
About Us
Who is CDL Mortgage?
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for Oklahoma County borrowers.
Full-Service Mortgage Company
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Headquartered in Rocklin, CA
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Real Loan Officers, Not Call Centers
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
NMLS #132263 · Equal Housing Lender
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.
Questions
New Construction Loans FAQs
How do new construction loans work?
The loan funds your build in inspected draws while you pay interest only on the amount drawn. On a one-time close, it converts automatically to your permanent mortgage when the home is finished — one application, one closing, one set of fees.
What is a one-time close construction loan?
A single loan and single closing that covers both construction and the permanent mortgage. It locks your permanent terms up front and avoids the cost and requalification risk of a second closing.
Can I get a new construction loan on land I already own?
Yes — and it usually helps. Your lot equity typically counts toward the down payment, which can dramatically reduce the cash you need at closing.
What credit score is needed for a new construction loan?
Generally 640–680+ for conventional one-time close programs, with FHA and VA new construction options available at lower scores for qualified borrowers.
How long does a new construction loan take?
Expect roughly 30–45 days to close before the build starts, then a 6–12 month construction period depending on the home, your builder, and local permitting.