One-time close construction loans in Maine.
Maine's mix of in-town infill, coastal lots, and rural acreage means construction projects rarely look alike. A one-time close construction-to-permanent loan handles all of them with a single approval and a single closing, whether you're framing a year-round home in Cumberland County or a four-season build in Hancock County.
Choose your program path.
Conventional One-Time Close Construction Loan
A conventional single-close construction-to-permanent loan combines lot, build, and permanent mortgage into one approval and one closing for qualifying borrowers.
FHA One-Time Close Construction Loan
FHA's single-close construction-to-permanent program lets eligible borrowers build a new primary residence with a low down payment and one set of closing costs.
VA One-Time Close Construction Loan
VA's single-close construction loan lets eligible veterans and service members build a primary residence with VA-eligible financing and one closing.
USDA One-Time Close Construction Loan
USDA's Single-Close Construction-to-Permanent program supports new builds in USDA-eligible rural areas with one closing and no down payment for qualifying borrowers.
Local context, statewide coverage.
Greater Portland
Custom builds in Portland, South Portland, Falmouth, Cape Elizabeth, Scarborough, and the suburbs.
Bangor
Construction financing across Bangor, Brewer, Orono, and the surrounding Penobscot region.
Lewiston-Auburn
Twin-cities OTC loans for LA-area homeowners building inside city lines or on rural lots.
Midcoast Maine
From Brunswick to Belfast - waterfront and woodland builds along the Midcoast.
Southern Maine / York County
Kittery, York, Wells, Kennebunk, Sanford, and Saco - Southern Maine custom builds.
Every county in Maine.
Coverage across all 16 Maine counties, with deep familiarity in Greater Portland, the Midcoast, Bangor, Lewiston-Auburn, and York County.
- Androscoggin County
- Aroostook County
- Cumberland County
- Franklin County
- Hancock County
- Kennebec County
- Knox County
- Lincoln County
- Oxford County
- Penobscot County
- Piscataquis County
- Sagadahoc County
- Somerset County
- Waldo County
- Washington County
- York County
Ready to build in Maine?
Tell us about your lot, builder, and timeline - we'll route you to the right single-close program for Maine.