From Blueprint To Reality

Building your dream home is filled with excitement and anticipation! At ProFed, we understand the challenges and all the decisions that come with a new home. That’s why we’re here to make it as seamless as possible so you can focus on what matters most.

Construction loans normally have very short periods, usually 6-12 months, before a modification converts them to the fixed rate principal and interest. Get preapproved, lock in an interest rate, and feel confident every step of the way with our local mortgage experts by your side. Enjoy the flexibility of interest-only payments during the construction phase and the option of bridge and land loans to support you through the home-building process.

With our construction loan, we offer one-time closing costs for borrowers, meaning they can close the construction loan and permanent financing of the new home at the same time. Keep in mind that it’s typical for lenders to be more involved with a construction loan compared to a mortgage loan due to the review of important documents beforehand, which are based on the approval for the loan amount.

Our online application process is easy and our requirements are straightforward. Bring your dream home to life today!

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Construction Loan Benefits & Requirements

Benefits

Fixed or Adjustable-Rate Options

One-time closing

Interest-only payments during construction phase

ProFed underwriting and servicing

Ask us about our Land only and Bridge loans!

Requirements

7-month construction phase, can be extended upon review

Minimum 5% down payment

Subject to builder and contract review

Subject to credit, income, and asset review

Land Only Benefits & Requirements

Benefits

15-year fixed rate term - contact us for rates

Land may be used for future construction loan, but not required

Loan purpose can be to purchase or refinance

ProFed underwriting and servicing

Minimum 25% down payment required

Subject to credit, income, and asset review

Home Loan Rates

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Loan Product Maximum Loan to Value (LTV) Minimum Loan Term Rate as low as APR* as low as
Conventional Mortgage Up to 100% LTV No Minimum 10, 15, 20, 30 Year - Fixed Rate Click here for current rates
First-Time Homebuyer Up to 97% LTV No Minimum Up to 30 years - Fixed Rate Click here for current rates
USDA Loan Up to 100% LTV, 101% with Guarantee USDA Fee No Minimum 30-year Fixed Term Contact us for current rates
ARM Loan Up to 100% LTV No Minimum 5/1 & 7/1 - Variable Rate Click here for current rates
Construction Loan Up to 95% LTV No Minimum Flexible Terms - Fixed Rate Click here for current rates
Land Loan Up to 75% LTV No Minimum 15-year Fixed Contact us for current rates
Rapid Refi Up to 80% LTV No Minimum Up to 180 Months - Fixed Rate Click here for current rates
Renovation Loan Up to 97% LTV No Minimum Up to 30-year Fixed Rate Contact us for current rates
Home Equity Loan Up to 85% LTV $10,000 12 - 120 Months - Fixed Rate 7.490% 7.490%**
Home Equity Loan Up to 85% LTV $25,000 121 - 180 Months - Fixed Rate 7.740% 7.740%***
Home Equity Line of Credit Up to 80% LTV $10,000 120 Months - Variable Rate 7.750% 7.750%****

Membership at ProFed is required. *The annual percentage rate (APR) listed are our best rates. Your rate may vary depending on your credit score. **Annual Percentage Rate is based on a loan amount of $10,000 and a term of 120 months. ***Annual Percentage Rate is based on a loan amount of $25,000 and a term of 180 months. ****The Rate for the Home Equity Line of Credit is based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. The Annual Percentage Rate is based on a $10,000 line of credit.

The Process Of A Construction Loan Vs. A Mortgage Loan

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Benefits And Costs Of Owning A Home

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ProFed Credit Union, NMLS# 490949