One-time close new build financing, land included
New construction loans in California, Texas, Georgia, Tennessee, Oklahoma, and Idaho 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.
Why CDL
CDL Mortgage Services Inc. is a full-service mortgage company focused on securing the best loans at the best rates. As an independent broker, we aren’t tied to one bank’s products — we shop multiple wholesale lenders for every new construction loan to find the strongest pricing for your scenario.
Every file is handled start-to-finish by a licensed loan officer, not a call center. From fast pre-approval through underwriting and closing, you’ll always know exactly where your loan stands.
Requirements
General guidelines — final qualification depends on the lender, property, and your full financial profile.
Calculator
Estimates only. Mortgage insurance and HOA dues are not included. Your actual payment depends on your final rate, program, taxes, and insurance premiums.
Questions
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.
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.
Yes — and it usually helps. Your lot equity typically counts toward the down payment, which can dramatically reduce the cash you need at closing.
Generally 640–680+ for conventional one-time close programs, with FHA and VA new construction options available at lower scores for qualified borrowers.
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.
About Us
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 every borrower.
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.
Find new construction loans details for your city or county below.
Ready when you are
Same-day pre-approvals, dozens of wholesale lenders shopped for you, and one licensed loan officer from application to keys in hand.