Obtaining a home construction loan does not have to be a frustrating experience. Let Ocean Pacific Capital help simplify the process. With over 47 1/2 years of experience in home construction loans, Ocean Pacific Capital can help you acquire that construction loan in a fast and efficient manner.

There are many lenders who will finance the entire cost of materials, labor and property. One-time-close loans and construction-to-permanent loans have made home construction loans simpler than ever. Many buyers will likely get a construction to permanent loan. These loans are commonly referred to as a construction loan and it consists of two parts.

While the house is under construction, an "interim loan" is in place. After the construction period, the loan is converted to a "permanent loan," where a certificate of occupancy is issued). A construction loan can be taken out to build an additional room on your house. Any equity in your home can be used to help you get a lower rate on your construction loan. Call us today at (949)263-9000 to speak with a loan officer about your financing needs, or APPLY HERE to get started on your loan application.