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.

Kari Rudolph's page

Kari Rudolph
Construction Loan Officer

Office: 919-882-6981
Mobile: 919-412-1230
[email protected]

Seth Moody's Page

Seth Moody
Construction Loan officer

Office: 919-882-6950
Mobile: 919-780-1808
[email protected]

Andy Brim

Andy Brim
Construction Loan officer

Office: 984-247-4677
Mobile: 984-920-1255
[email protected]

Kevin Parris' page

Jill Levine
Construction Loan Officer

Mobile: 919-480-5682
[email protected]

Frequently Asked Questions

With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest rate can change periodically based on the ARM program chosen, in relation to an index. While the monthly principal and interest payments made on a fixed-rate mortgage are stable, payments on an ARM loan are likely to change.
A pre-qualification is a basic review of your finances to determine if you would qualify for a mortgage. In general, a pre-qualification is based on unverified information you provide and does not include a credit check. This is only an estimate of the amount you would qualify to borrow based on stated income and debts and is not a firm guarantee of a loan. You will need to submit a formal application to obtain a pre-approval letter to be able to make an offer on a home.
A pre-approval is a conditional commitment, in writing, for a specific loan amount issued by a lender. Unlike a pre-qualification, a pre-approval requires a completed loan application as part of this process for the lender to check your credit, verify your income and employment, and confirm the amount you qualify to borrow. A pre-approval can show sellers that you're serious about buying a home. Once the lender has pre-approved you for the loan, a formal letter will be provided with the terms of the loan to submit with your offer
We offer competitive rates on all our products. Current purchase rates can be found on our Coastal 24 website at For refinance rates, please visit our Mortgage Rates page and click on Get Your Refinance Rate Quote to submit a form for a custom rate quote.
An individual who has not owned a principal residence in the last three years is considered to be a first-time homebuyer. If there is a co-borrower, only one occupying borrower is required to be a first-time homebuyer. An individual who is a displaced homemaker or single parent also will be considered a first-time home buyer if he/she had no ownership interest in a principal residence (other than a joint ownership interest with a spouse) during the preceding three-year time period.

All loans are subject to approval.

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