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When you are considering building your own home, you will need to look into construction loan rates instead of mortgage loan rates. Very few lenders will.

The prime rate is determined using a survey of the current lending rates in the banking industry. On top of the prime rate, there will usually be a "spread," that is, an additional percentage. The spread may either be variable or fixed, but because the prime rate is variable, the overall interest rate on construction loans are also variable.

A Construction-to-Permanent loan allows you to shop for just one loan when building a new home. It covers the financing during the building process and then transitions into a permanent loan once construction is complete, saving you the additional time and closing costs of two separate loans.

The company’s explanation for the loss, despite the sweetheart deal: A faulty gas pipe installed by the city that delayed a construction project. Buyers may be getting used to low mortgage rates.

If you’re worried about interest rate changes while your home is being built, ask your home mortgage consultant how our Builder Best Extended Rate Lock program can help protect you while your new home takes shape. Lock down a range of interest rates for up to 24 months on a variety of loans with a required, non-refundable extended lock fee.

Consider a fixed-rate mortgage if you plan to stay in your home for a number of years. Consider a construction loan if you want to build a new home with simple .

Homebuyers can combine a construction project budget into their home loan. For every project, you'll work with Umpqua and a dedicated construction team.

A construction loan is a short-term loan-usually about a year-used to fund the construction of your home, from breaking ground to moving in. With a BB&T construction-to-permanent loan, your construction financing simply converts to a permanent mortgage when your home is complete.

And much of the construction has been at the upper end. "Home prices have risen 50% from the low point while people’s wages have grown 20%," Yun said. With home loan rates falling in recent months.

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