Construction

How construction loan money is released: draws, inspections, written borrower approval, interest reserves, and contingency reserves — with FHA, VA, USDA, and conventional rules explained.

How conventional construction-to-permanent loans work under Fannie Mae (Selling Guide B5-3.1) and Freddie Mac (Guide 4602), with 2026 rule changes, for Colorado Springs builders.

USDA single-close construction loans let you build a rural Colorado home with $0 down and one closing. See the guarantee timing, builder rules, reserves, and El Paso County eligibility.

How VA construction loans let eligible Colorado Springs veterans build a home with $0 down and no monthly mortgage insurance. One-time close vs two-time close, draws, funding fee, and the 2025 builder-ID change explained.

How the FHA one-time-close construction-to-permanent loan works: 3.5% down, licensed general contractor, land and Acquisition Cost rules, draws, and MIP — for Colorado Springs.

One-time close vs. two-time close construction loans explained for Colorado Springs buyers: closings, costs, rate exposure, re-qualification, and which programs use which.

FHA, VA, USDA, and conventional (Fannie/Freddie) construction loans compared for 2026 — down payment, one-time vs. two-time close, when the guarantee happens, and owner-builder rules, verified against each agency's guide.

How construction-to-permanent (single-close) loans work in Colorado Springs and El Paso County: the five loan programs, down payments, draws, underwriting, and timeline.