Construction-to-Permanent Loans

Save time and money while building your dream home

One loan, one closing, one choice — Coastal.

Build or renovate your dream home with our Construction-To-Permanent financing.

Coastal’s Construction-to-Permanent financing gives you three ways to build your dream home:

  • Finance the construction of a new home on your own lot
  • Finance the purchase of a lot and construction
  • Cover the cost of major renovations to your existing home


Save time and money. Our Construction-To-Permanent financing saves you time and money. With one loan and one set of closing costs, the number one choice is Coastal

Only 10%25 down payment Only 10% down payment

Local relationships Local relationships (we handle all of the closing/processing locally)

Free guide Get our free guide: Construction-to-Permanent Financing Guide 

Questions? Contact us today to get started.

Karen Ashley's photo

Karen Ashley
Mortgage Sales Manager

Office: 919-420-8128
Mobile: 919-809-4002

Christi Gurgis' photo

Christi Gurgis
Mortgage Sales Manager

Office: 919-744-2699
Mobile: 919-397-4792

Kristin Little's photo

Kristin Little
Mortgage Sales Manager

Office: 919-420-8204
Mobile: 919-272-4228

Earn more cash back when you shop.

I was able to buy my first home on my own without using all of my savings.
Margaret H.

Frequently Asked Questions

There are two options to make principal only payments. (Excludes first mortgages and VISA Credit Cards)

You can pay an extra amount at the same time you make your regularly scheduled payment. The extra amount paid will automatically be applied to the principal balance. The regular payment and the extra amount must be applied on the same date with this option.

You can make principal only payments at other times as long as your loan is current. Please note, a principal only payment will not advance your due date, and will not take the place of normal monthly payments.

When mailing a check for principal only payments, clearly indicate in the memo section of the check, "PRINCIPAL ONLY" and the account number. Any payment applied as principal and interest, that is not notated "PRINCIPAL ONLY", cannot be reversed and reapplied later.

Please email with any questions.

Coastal only issues 1098 Mortgage Interest Statements for accounts that paid $600 or more in interest during the calendar year. The exact amount of interest paid on your mortgage loan is listed on your December statement.

All loans are subject to approval.

* - Minimum deposit of $100 required to open an account. Fees may reduce earnings.

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