Financing

Exclusive Programs to Make Building Easier

Option 1: Special Financing Offer: One-Time Close Loan at 4.999% / 5.177% APR*

Take advantage of a limited-time opportunity to lock in a below-market interest rate through our preferred lender OneTrust Home Loans. You’ll enjoy lower monthly payments and potentially qualify for more home.

Why It Works for You:

Below-Market, Fixed Rate Up Front – Enjoy a below-market rate and payment predictability from day one
Rate & Payment Locked Before You Build – No surprises during construction
All-in-One Close – One Loan, One Set of Closing Costs, One Time
Interest Rolled into Loan During Construction – Less out-of-pocket cost upfront
Multiple Loan Types Available – Choose from Conventional, FHA, or VA options

Option 2: Build Before you Sell Program

If you own a primary residence and only want to move one time, Hedgefield Homes will help you secure construction financing through it's lending partner, who will fund construction of your new home. When the home is nearing completion, you will sell your current residence and move into the new home when it is complete.

Qualify without selling first - This unique program enables you to qualify for a construction loan even if traditional lenders will not qualify the loan based on debt-to-income restrictions
Pay no interest or closing costs during construction - These fees are included in the price of your purchase.

*The advertised loan program is a 30-year fixed rate Conventional loan with an interest rate of 4.999% (5.177% APR). The interest rate quoted assumes a loan at 70% loan-to-value (LTV), a Conventional loan amount of $245,630, a minimum FICO score of 720, for a primary residence. On a $245,630 loan, the APR would be 5.177% with a monthly principal and interest payment of $1,318.44. With estimated taxes of $397.69 per month and homeowners insurance of $200 per month, the estimated monthly payment would be $1,916.13. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by the Lender. Not all applicants will qualify. Rates and terms are effective 6/23/2025 and are subject to change without notice. This offer is available for a limited time only. All options are not available on all programs. CalCon Mutual Mortgage LLC dba OneTrust Home Loans is an Equal Housing Lender NMLS #46375; Branch NMLS #1529870; 11451 Katy Freeway, Suite 360, Houston TX 77079. Corporate phone (888) 488-3807. For more licensing information visit: https://onetrusthomeloans.com/licensing-information/. www.nmlsconsumeraccess.org

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(817)385-7775

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410 Shops Blvd, Suite 200, Willow Park, TX 76087

Financing FAQs

What down payment is required?

One-time Close Loans can be approved with as little as 0.0% down (VA), 3.5% (FHA) or 5% (Conventional). However, the more you pay down, the lower your payment and your mortgage insurance. The Buy Before You Build Program equity requirement is 10%.

What are the qualifications?

Total cost for land and site work which will be financed must not exceed 15% of the loan value.
Typical income, credit and property appraisal qualifications apply.
Cash reserves may be required.

If I have paid for all or part of my land, can that count as my down payment?

If you have paid off your land, you can most likely apply the land's value toward your down payment. If you owe a balance on your land, you can refinance the land and home together into one new loan.

When do I lock in my interest rate on a One-Time Close Loan?

Before you begin construction, your lender will lock in the rate you will pay on your loan; this is the same rate you will pay after you have moved in. During construction, you will owe interest only, which will accrue and will be funded out of your loan proceeds...in other words, you will not pay it out of pocket during construction.

On the Build Before You Sell program, how does the transition from construction to permanent loan work?

Construction on your home will begin using the funds from your construction loan. You will need to list and sell your existing home, typically you would want to do this approximately 60 days from completion, but this varies depending on how long homes take to sell in your area. You will begin paying construction interest on your new home once it is complete, so ideally your old home will close right after you move in (or soon thereafter) and then your permanent lender will close your new permanent loan.

Do I have to use your preferred lender for the permanent loan?

You are free to choose any lender in the marketplace, however, any financing incentives offered by Hedgefield Homes, such as the interest rate buy-down or free construction interest, are contingent upon selecting our preferred lenders to work with.

How long does it take to get pre-qualified?

Typically 1-2 days.

What are the risks?

With the Buy Before You Build program, if you are unable to sell your home at the price you want by the time your home is complete, you may have to cut the price to sell it. There is a time limit of 12 months on the construction loan, at which time the loan proceeds are due to the lender. With any construction-to-perm loan, if your credit situation changes dramatically, such as a job loss, you may not be able to qualify for the permanent loan.

Smart Ways to Finance Your Forever Home