Getting a new 建设 loan to build your dream house is exciting! You may already have ideas of what you want while you scour the internet for the perfect floorplan. You’ve watched enough HGTV you feel like a designing pro. You’ve even acquired the plot of land on which this palace will sit.
现在呢??
你需要一笔建设贷款. One of the most common questions we get from people building a new home is whether or not they can use their land as a down payment on their 建设 loan.
土地可以用作首付款吗?
答案是:绝对的! We talked to 阿伯金融 Mortgage Loan Originator Laurie Brooks to get some more details on just how it works, 她给了我们一个例子. 
“假设你有50美元,000 piece of land that's paid for and you're going to build a $300,000年的房子. The total value (home plus land) is $350,000,” she explained. “So, 在这种情况下是50美元,000 piece of land that you own is the down payment on the $350,000美元的房屋最终价值. 下降了14%多一点!”
简单地说, 如果你已经拥有土地, the equity that you have in that land can be used as your down payment for your 建设 loan.
建设贷款专家
As to the loan itself, 阿伯金融 has one of the best 建设 loans in Michigan. 原因如下:
- 一次性成交费用 – With a one-time close 建设 loan you’ll have one closing, 一个进程, and one loan which means you’ll pay less in closing costs, 为你省钱.
- 无需自付结案费用* – By including the closing costs in the 建设 loan, 你可以减少整体的自付费用.
- 施工期间无付款* - 阿伯金融 will finance your interest-only payments into the loan. 这很令人欣慰, knowing you don’t need to start making house payments until you’re actually moved into your new home!
- 首付款低至0%* -没错, you can build a new home for no money down (this option is based on lot equity and appraised value).
- 避免采购经理人指数 – We have financing options that will make you even happier by avoiding any private mortgage insurance payments. 今天就给我们打电话讨论一下你的选择!
如果你打算建造你的新家, let us show you why the Arbor One-Time Close 建设 loan is the best 建设 loan available. 你正在建造你的梦想家园, 我们可以帮忙, 具有低利率等特点, 首付低至零, 无需支付结案费用, 施工期间不付款. 你会很高兴你用过的 阿伯金融 to finance your dream home, and we’ll be glad to help you get there.
*适用条款和条件. 0% down payment and no closing cost options based on lot equity subject to appraised value. No payments during 建设 option subject to appraised value equal to or greater than total acquisition cost including carrying costs during 建设.
