Construction Loans

Build Your Dream Home with One Simple Loan

At Sail Mortgage, we make financing your custom-built home stress-free and straightforward with our construction-to-permanent loan solution. You focus on building—we’ll take care of the rest.

What Is a Construction-to-Permanent Loan?

Our construction loan converts lo a permanent mortgage with one application, one closing, and one set of costs – simplifying your home-building journey.

How It Works:

Financing is approved before construction begins.
Funds are disbursed in phases during construction.
Once construction is complete, the loan automatically converts to your permanent mortgage.
Pay interest-only on the amount drawn during construction.

Key Benefits of Our Construction Loans

One-Time Closing: No second loan, no additional fees.
Same Interest Rate: Lock in your rate from the start—no rate risk between phases.
Interest-Only Payments During Construction: You pay interest only on the money drawn.
Flexible Terms: Choose from fixed or adjustable-rate options.
Low Down Payment Options: Get started with as little as 5% down.

Whether you’re building your forever home or a custom second property, our streamlined loan process keeps things simple and affordable.

Why Build with Sail Mortgage?

With offices in Seven Fields and Pittsburgh, we’re proud to support families and individuals across Wexford, Oakmont, Mars, Beaver Falls, and the surrounding Western Pennsylvania areas in building the homes of their dreams.

Our experienced loan consultants will walk you through:

Let’s break ground together.

Contact Sail Mortgage today for a free consultation and discover how easy building a home can be with the right financing partner.

Seven Fields Office

Pittsburgh Office