Build It. Finance It. Close It – Once.  

Introducing Click n’ Close One-Time Close Construction Loans at Kind Lending.  

Big news for homebuyers and builders: Kind Lending now offers Click n' Close One-Time Close (OTC) Construction Loans — and they're a game-changer.

Whether you're building a stick-built home, a manufactured home, or a modular home, OTC loans wrap your construction financing and permanent mortgage into one single closing. Less stress. Less cost. More certainty.

What Is a One-Time Close Construction Loan?

Traditional construction loans require two separate closings: one to fund the build, another to convert to a permanent mortgage. That means two sets of closing costs, two rounds of paperwork, and the risk of needing to re-qualify all over again.

With a Click n' Close OTC loan, you close once. Your interest rate is locked upfront, and you don't have to worry about what the market looks like when construction wraps up.

Government OTC Loans: FHA, VA & USDA
These are our most flexible options — great for buyers who want low or no down payment. Here's what's available:

• FHA Loans — up to 96.5% LTV | 650 minimum FICO

• VA Loans — up to 100% LTV | 650 minimum FICO

• USDA Loans — up to 100% LTV | 640 minimum FICO

• Manufactured Homes — eligible with 650 minimum FICO (double-wide only; no single-wide)

Site-Built Home draw details:

• Builder can receive up to 90% of the contract price before the final draw

• 5 draws are typical (more available at additional cost)

• Construction periods of 120, 180, or 270 days (360-day exception available)

• Land can be paid at closing — doesn't count as a draw

• Soft costs can be included in the construction loan

Factory-Built Home draw details:

• Manufacturer can be paid when the home leaves the factory

• Up to 80% of the contract price before the final draw

• 3 draws are typical

• Land can be paid at closing — doesn't count as a draw

Conventional OTC Loans
Prefer a conventional loan? We've got that covered too.

• 90% LTV with a 680 FICO score

• FNMA only

• Primary and second homes eligible

• If you already own your land, it's treated as a refinance

Site-Built Home draw details:

• Builder can receive up to 90% before the final draw

• 6 draws typical (more available at additional cost)

• Construction terms of 180, 240, or 360 days

• Soft costs can be included

Factory-Built Home draw details:

• 10% initial draw at closing, 80% draw at delivery

• 3 draws are typical

• Double-wide homes eligible (no single-wide)

Why Homebuyers Love OTC

• One closing = lower closing costs

• Rate locked for your permanent loan from day one

• No payments during construction — your first payment starts after you move in

• No re-qualification required after construction is complete

• One appraisal, one set of closing docs

• No expiration on credit docs or appraisal once the loan closes

Why Builders Love OTC

• Expanded market — more potential buyers thanks to low/no down payment options

• Lower risk — no worrying that buyers will fail to re-qualify when it's time to convert

• Conventional loan fallout protection — OTC works for buyers who can't get traditional bank financing

• Fallback funds — use OTC as a funding source only when you need it. No requirement to draw.

Ready to Build? Let's Talk.

At Kind Lending, we believe the path to homeownership should be clear, simple, and kind. Click n' Close OTC loans are one more way we're making that happen.

Reach out to your Kind Lending loan officer today to find out if an OTC construction loan is the right fit for your new build.

Kind Lending, LLC is an FHA Approved Lending Institution and is not acting on behalf of, or at the direction of HUD/FHA or the federal government. FHA charges a one-time upfront mortgage insurance premium which can be financed as part of the loan

VA does not impose mortgage insurance but does require a one-time upfront funding fee which can be financed as part of the loan.  VA funding fee can vary based on eligibility and usage. Kind Lending is not affiliated with any government agency.

USDA charges a one-time upfront Guarantee Fee which can be financed as part of the loan and an annual fee for mortgage insurance. Property must qualify for USDA program.

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