New Construction Loans

New Construction Loans Take advantage of our 1% Builder Incentive*. This credit can be used to buy down your interest rate, apply toward closing costs, or a mixed use of both. This product is ideal for any buyer who is purchasing a model home or building a new home and closing in less than 180 days. If you are looking to build your dream home, let's discuss your options, with our trusted construction loan partners the process is seamless allowing you to concentrate on the building process and enjoying the experience.

*1% Builder Incentive offer is only available on new construction.

*Terms and restrictions apply. Eligibility based on credit review and approval. Program guidelines subject to change without notice. Contact us for more details.

Construction workers, teamwork collaboration and blueprint planning in house, home or office buildi

Have a Question?

Flint Hills Mortgage Has An Answer

This loan is specifically designed to finance the construction of a new home. It differs from a traditional mortgage used for buying an existing home.

Typically, funds are dispersed in stages as construction progresses. Interest-only payments may be required during the construction phase, with full principal and interest payments beginning after completion.

It allows you to build a home tailored to your needs and preferences. Plus, you may have the potential for lower initial payments during the construction phase.

Requirements may include a strong credit score, proof of income, detailed building plans, and a qualified builder. Specific criteria can vary based on the lender.

We offer various loan programs tailored to different needs, including construction-to-permanent loans that convert to a traditional mortgage once construction is complete. loan ahead of schedule without incurring additional fees.

The application process involves submitting financial documents, construction plans, and other necessary information. Our loan officers guide you through each step.

Interest rates can vary based on factors like creditworthiness, the loan amount, and current market conditions. We provide competitive rates tailored to your specific circumstances.

    • Yes, there may be fees for appraisals, inspections, and closing costs. Our team can provide a detailed breakdown of potential costs during the loan application process.

Typically, these loans are specifically for new home construction. For major renovations, alternative financing options may be available.

    • Once construction is finished, your loan may transition into a permanent mortgage. At this point, you’ll begin making regular payments based on the agreed-upon terms.


Loans are subject to credit approval. Terms and conditions apply. VA loans are available to eligible veterans, active-duty service members, and certain spouses. USDA loans are available for properties located in eligible rural areas and are subject to income limits. FHA loans require mortgage insurance premiums and have specific eligibility requirements. Conventional loans typically require a down payment and private mortgage insurance (PMI) if the down payment is less than 20% of the home's purchase price. 0 down conventional loans are subject to lender approval and may have stricter credit and income requirements. Borrowers should consult with a mortgage specialist to determine eligibility and explore all available loan options.

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801 E Douglas Ave RM 206 Wichita KS 67202

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