Why Choose Us for Your Construction Loan?

One-Time Close Construction Loans – Lock your rate upfront and close once, saving time and money

Local Pacific Northwest Expertise – We understand OR, WA & ID building codes, permitting, and market conditions

Custom Homes, ADUs & Major Renovations – Finance ground-up builds, accessory dwelling units, or significant remodels

Builder-Friendly Process – Work with licensed contractors or act as owner-builder on approved projects

Fast Pre-Approvals – Get clarity on your budget in as little as 24-48 hours

Flexible Financing Options – Conventional, FHA, VA construction loans to find the right fit for your project

How Construction Loans Work

Step 1: Pre-Qualification & Planning
Get pre-qualified to understand your construction budget. We’ll review your plans, builder estimates, and land details (if applicable).

Step 2: Loan Approval & Rate Lock
Once approved, lock your rate and prepare to break ground. Your loan closes before construction begins.

Step 3: Construction Draws & Completion
Funds are released in stages (draws) as construction progresses. Upon completion, your loan converts to a permanent mortgage – no second closing needed.

Ready to build? Let’s discuss your project and financing options.

Get Started with Your Construction Loan Today

Building your dream home in Oregon, Washington, or Idaho? We’re here to make construction financing simple and stress-free.

Contact Scott Little – Licensed Mortgage Broker

Phone: (888) 934-6634
Email: scott@ialoans.com

NMLS #178315 | Licensed in OR, WA & ID

Imagination Age Mortgage specializes in construction loans, conventional mortgages, FHA, VA, USDA loans, and refinancing throughout the Pacific Northwest.