There are a TON of reasons to build your home with help from Simplicity CU!

  • Finance up to 95% LTV (Loan to Value)!

  • Choose from a 6, 9, or 12-month term to meet your needs.

  • Unlimited draws help you keep your project moving forward.

  • Pay only interest while you build at a competitive rate of 3.5% APR* 

  • Choose our “Construction to Permanent” option and save on closing costs!*

Construction Loans: Made Simple

Hey buddy, building the home you’re dreaming of can be easier than you think. Let our Mortgage Geniuses help you from start to finish with our “Construction to Permanent” loan program.

  1. Start with a Pre-Approval at least 2 months before you plan to start building. Click here to apply now.
  2. Decide on your floor plan, get estimates, and gather your personal info to get ready for closing day.
  3. Close on your construction loan and get started building. We’ll help from your first draw request form to your final appraisal.
  4. When construction is done we’ll be ready to transition to the mortgage loan that fits you best with no more closing costs.*
* Current Annual Percentage Rate. Rates are subject to change without notice. Mortgage loans are subject to credit approval and membership eligibility is required. A variety of rates and terms are available. Contact us for current rates. Simplicity Credit Union is federally insured by NCUA. Equal Housing Opportunity lender. NMLS #691144