What We Offer
USDA Construction Financing Services
From the first eligibility review to the final closing, The Thomas Team guides you through every step of the USDA Construction-to-Permanent financing process.
Specialized. Focused. Expert.
USDA Construction is not a generalist mortgage company. We focus exclusively on USDA Construction-to-Permanent financing — a specialized program that allows qualified borrowers to purchase land, build a new home, and finance the entire project with a single loan. Every service we offer is designed to support that process from start to finish.
USDA Construction Loans
One-time close financing for new home construction
The USDA Construction-to-Permanent loan is a specialized financing program that combines the construction phase and the permanent mortgage into a single loan — meaning one application, one approval, and one closing.
- Eligible borrowers may qualify for low or no down payment options depending on program requirements
- Construction and permanent financing are structured together when available, reducing paperwork and closing costs
- Loan covers land acquisition, construction costs, and permanent financing in one package
- Works with USDA-approved builders and contractors
- Available for primary residences in USDA-eligible rural and suburban areas
Who This Is For
This service is ideal for homebuyers who want to build a new home in a USDA-eligible area and want to streamline the financing process with a single loan.
Land + Construction Financing
Finance land purchase and construction together
Many homebuyers want to purchase raw land and build — but navigating how to finance both the land and the construction can be complex. We help borrowers understand how USDA Construction financing can address both needs within a single loan structure.
- Review options for combining land acquisition and construction costs into a single financing solution
- Guidance on USDA land eligibility requirements and site considerations
- Coordination between land purchase timeline and construction financing approval
- Review of land ownership scenarios — including land already owned by the borrower
- Assistance understanding how land equity may factor into the financing structure
Who This Is For
This service is for buyers who are starting from scratch — finding land, selecting a builder, and financing the full project — or for those who already own land and want to build.
Property Eligibility Review
Confirm your build site qualifies before you commit
USDA financing is only available for properties located in USDA-designated eligible areas. Before you commit to a lot or build site, we help you review whether the property may qualify under current USDA guidelines — saving you time and avoiding costly surprises.
- Review of property location against USDA rural eligibility maps
- Guidance on USDA site requirements including lot size, access, and utilities
- Review of property type eligibility — new construction on raw land vs. existing lot
- Identification of potential eligibility concerns before purchase or construction begins
- Coordination with USDA guidelines to confirm site suitability
Who This Is For
This service is for buyers who have identified a potential build site and want to confirm eligibility before making a purchase commitment or signing a builder contract.
Income Eligibility Review
Understand your household income qualification
USDA loan programs have household income limits that vary by location and household size. Understanding whether your household income falls within USDA guidelines is a critical first step — and one we help you navigate clearly and confidentially.
- Review of USDA household income limits for your specific county and state
- Guidance on how household size affects income eligibility thresholds
- Review of income types that count toward USDA household income calculations
- Identification of income adjustments and deductions that may affect eligibility
- Clear explanation of how income eligibility interacts with credit and debt requirements
Who This Is For
This service is for any borrower who wants to understand whether their household income qualifies for USDA Construction financing before investing time in the full application process.
Builder Coordination
Bridging the gap between your builder and your lender
USDA Construction financing has specific requirements for builders, contracts, and construction timelines. We work alongside your builder throughout the process to ensure that USDA requirements are understood and met at every stage — keeping your project on track.
- Guidance on USDA builder approval requirements and documentation
- Review of construction contracts for USDA compliance
- Coordination of construction draw schedules with USDA financing timelines
- Communication support between borrower, builder, and lender throughout construction
- Assistance navigating construction inspections and completion requirements
Who This Is For
This service is for borrowers who have selected a builder and want to ensure the construction process aligns with USDA financing requirements from contract signing through final inspection.
The Journey
How The Process Works
A simplified overview of the USDA Construction-to-Permanent financing journey.
Initial Consultation
We review your goals, income, and location to determine USDA eligibility and outline your financing options.
Property & Income Review
We confirm that your build site and household income meet USDA program requirements before you commit.
Builder Selection & Contract
We help ensure your builder and construction contract meet USDA requirements for the financing program.
Loan Application & Approval
We guide you through the full loan application, underwriting, and approval process for construction financing.
Construction Phase
Your home is built. We coordinate draw disbursements and keep the financing on track throughout construction.
Permanent Financing & Move-In
Construction completes, the loan converts to permanent financing, and you move into your brand new home.
Ready to Explore Your Options?
Schedule a consultation with The Thomas Team and let us walk you through the USDA Construction financing process.