One-Time-Close Jumbo Construction Loans
Building a luxury home requires both vision and the right financing partner. At Capital City Home Loans, we offer a powerful solution for high-value home construction: the One-Time-Close Jumbo Construction Loan. This streamlined loan program is designed for qualified borrowers who are building custom homes that exceed conventional loan limits—combining the convenience of a single closing with the flexibility of jumbo financing.
If you’re planning to build a high-end residence and need financing that matches your scale and sophistication, our one-time-close jumbo option is the ideal way to simplify your journey from foundation to finish.
What Is a One-Time-Close Jumbo Construction Loan?
A One-Time-Close Jumbo Construction Loan allows you to finance both the construction and permanent mortgage of a high-value home with one application, one approval, and one closing. Unlike traditional two-time-close construction loans—which require a separate closing when the build is complete—this loan locks in your rate upfront and transitions seamlessly into long-term financing once construction ends.
This program is tailored specifically for loan amounts that exceed the conforming loan limit of $806,501 (as of 2025) and offers the flexibility, efficiency, and confidence high-net-worth borrowers expect.
Key Features and Benefits
Our One-Time-Close Jumbo Construction Loan is packed with borrower-friendly features:
- Loan amounts above $806,501 for high-value home builds
- Single closing reduces paperwork, costs, and delays
- Rate lock at closing—no requalification required after construction
- Interest-only payments during the construction phase
- No mortgage insurance with qualifying down payment
- Flexible terms including fixed and adjustable-rate options
- Eligible for primary and secondary residences
By eliminating the need for a second closing, this loan simplifies the process and gives borrowers peace of mind knowing their permanent financing is secured from the start.
Who Is a Good Fit for This Loan?
A One-Time-Close Jumbo Construction Loan is ideal for borrowers who:
- Are building custom or luxury homes that exceed standard loan limits
- Want to avoid the complexity and cost of a second closing
- Have strong credit (typically 700+), verified income, and cash reserves
- Desire rate certainty throughout the build and into long-term repayment
- Plan to use the home as a primary residence or second home
Whether you’re building a custom home on your own lot or in a luxury development, this program offers unmatched convenience and flexibility.
Qualification Requirements
Because jumbo loans involve higher loan amounts and added risk to the lender, borrowers must meet stricter qualification standards, including:
- Minimum credit score of 700
- Debt-to-income ratio under 43%
- Down payment of 10% to 20%, depending on loan size and program terms
- Documented income and assets with sufficient reserves
- A detailed builder contract, construction timeline, and cost breakdown
Our construction lending specialists will guide you through each step — from builder approval to draw schedules — with clarity and confidence.
