One-Time Close Construction Loans
At Kamarilias Mortgage, we make building your dream home easier with our One-Time Close Construction Loans. This all-in-one financing solution combines construction and permanent financing into a single loan, simplifying the process and reducing closing costs.
Who Qualifies?
Homebuyers building a custom home
Borrowers looking for a streamlined financing process
Individuals who want to lock in their mortgage rate upfront
Key Benefits:
One Loan, One Closing – Covers both construction and permanent financing
Lower Closing Costs – Save money by eliminating multiple loan closings
Locked-In Interest Rate – Secure your rate before construction begins
Flexible Loan Options – Available for primary residences and second homes
How One-Time Close Construction Loans Work:
Loan Covers Construction & Mortgage – No need for separate financing
Funds Are Disbursed in Stages – Payments made to builders as construction progresses
Seamless Transition to Permanent Loan – No need for refinancing when the home is complete
Build Your Dream Home with Confidence!
Let Kamarilias Mortgage guide you through the construction loan process and bring your vision to life.
Land & Lot Loans – Secure the Perfect Property for Your Future
At Kamarilias Mortgage, we offer Land & Lot Loans designed for buyers looking to purchase undeveloped land for future construction, investment, or recreational use. Whether you plan to build right away or hold the land for later development, we provide flexible financing solutions tailored to your needs.
Who Qualifies?
Buyers purchasing land for future home construction
Investors seeking undeveloped land for future development
Borrowers looking for land for recreational or agricultural purposes
Key Benefits:
Flexible Loan Terms – Short- and long-term financing options available
Build Now or Later – Financing structured to fit your timeline
Variety of Property Types – Residential lots, rural acreage, or investment land
Competitive Rates & Down Payments – Affordable financing options
Types of Land & Lot Loans:
Raw Land Loans – For undeveloped land with no utilities or infrastructure
Improved Lot Loans – For land with access to roads, utilities, and zoning for construction
Construction-Ready Loans – For buyers planning to build immediately
Secure Your Ideal Land Investment Today!
Whether you're purchasing a future homesite, farmland, or investment land, Kamarilias Mortgage has the right financing solution for you.
Mixed-Use Property Loans – Flexible Financing for Dual-Purpose Properties
At Kamarilias Mortgage, we provide Mixed-Use Property Loans tailored for properties that combine residential and commercial spaces. Whether you're investing in a storefront with apartments above, a live-work space, or a mixed-use development, we offer financing solutions that account for both residential and commercial aspects.
Who Qualifies?
Investors purchasing or refinancing mixed-use properties
Business owners looking to own their workspace and residence
Developers financing multi-use buildings
Key Benefits:
Financing for Residential & Commercial Spaces – Tailored to the unique structure of mixed-use properties
Flexible Loan Terms – Competitive interest rates and repayment options
Higher Loan Amounts – Based on both rental income and business potential
Ideal for Investment or Business Use – Own a property that generates multiple income streams
Types of Mixed-Use Properties We Finance:
Retail + Residential – Storefronts with apartments above
Office + Residential – Small office spaces with living units
Live-Work Spaces – Residential units designed for business use
Invest in Versatile Real Estate with OMEGA Mortgage!
Our Mixed-Use Property Loans provide the flexibility you need to maximize your investment and business opportunities.
Get a Rate Quote in Just 30 Seconds!
Mortgage rates change daily and vary depending on your unique situation.
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