Construction Loans – Build Your Dream Home from the Ground Up

Construction loans are designed for borrowers looking to build a home rather than purchase an existing one. Kristeen Smith with Acadia Lending helps clients secure the financing needed to turn their vision into reality, covering everything from land purchase to construction costs.
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Flexible Funding for Each Phase of Building

Construction loans are structured to release funds in stages, known as draws, as each phase of the project is completed. This ensures that funds are used efficiently and that progress aligns with the construction timeline. Kristeen works closely with borrowers and builders to ensure a smooth process from start to finish. Her coordination helps keep projects on track while minimizing delays and financial uncertainty.
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Interest-Only Payments During Construction

During the construction phase, borrowers typically make interest-only payments based on the amount of funds that have been disbursed. This helps keep monthly costs lower while the home is being built. Kristeen explains each step of the payment structure so clients understand how their financial obligations will evolve. This transparency allows borrowers to plan effectively throughout the building process.
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Key Benefits of Construction Loans

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Financing for Custom Home Builds

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Flexible Draw Payment Structure

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Interest-Only Payments During Construction

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Seamless Transition to Permanent Mortgage
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Transition to Permanent Financing

Many construction loans can be converted into a permanent mortgage once the home is completed. This simplifies the process by allowing borrowers to move from construction to long-term financing without needing a separate loan. Kristeen helps clients structure their loan with this transition in mind, ensuring a seamless move into a stable mortgage. Her approach reduces complexity and provides long-term financial clarity.
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Why Choose Kristeen Smith with Acadia Lending

Choosing the right mortgage advisor can make a significant difference in your home financing experience, and Kristeen Smith with Acadia Lending is committed to delivering clarity, strategy, and results at every step. With access to a wide range of loan programs and a deep understanding of diverse borrower profiles, she ensures each client receives a financing solution tailored specifically to their goals, income structure, and long-term plans.

We are known for

Personalized Mortgage Solutions tailored to each client’s financial goals, income structure, and long-term plans for homeownership or investment success.

Wide Range of Loan Programs including VA, FHA, Conventional, USDA, Jumbo, Bank Statement, and specialty loans designed to fit diverse borrower needs.

Smooth and Transparent Process with clear communication, timely updates, and step-by-step guidance from application to closing.

Expert Guidance for All Borrowers including first-time buyers, self-employed professionals, investors, and clients with unique or complex financial profiles.

 
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"FAQs"

We offer a wide range of mortgage solutions including VA, FHA, Conventional, USDA, Jumbo, Bank Statement, Investment Property, Construction, Rehab, Second Mortgage, and specialty programs like Doctor Loans and Vacation Home Loans. Each program is designed to meet different financial needs and borrower profiles.

Our goal is to provide flexible financing options for first-time homebuyers, self-employed borrowers, investors, and high-net-worth clients. Kristeen Smith with Acadia Lending helps match each client with the most suitable program based on their unique situation.

The right loan depends on your income, credit profile, employment type, and long-term financial goals. During the consultation process, Kristeen evaluates your full financial picture to recommend the most beneficial option.

She simplifies complex lending choices so you can clearly understand your options. This ensures you make an informed decision that supports both affordability and long-term stability.

Yes, self-employed borrowers have several flexible options available, including Bank Statement Loans and other non-traditional income programs. These loans are designed specifically for business owners, freelancers, and independent contractors.

Kristeen helps self-employed clients properly document their income using alternative methods like bank statements or profit-and-loss statements. This makes it easier to qualify even if tax returns do not reflect full income.

The timeline can vary depending on the loan type, documentation, and property details, but most loans typically take between 2 to 4 weeks from application to closing. Some programs may be faster with complete and accurate documentation.

Kristeen works closely with all parties involved to ensure a smooth and efficient process. Her proactive communication helps reduce delays and keeps your loan on track.

No, perfect credit is not required for many loan programs. Options like FHA, VA, USDA, and Bank Statement Loans offer flexible credit guidelines depending on the borrower’s overall financial profile.

Kristeen reviews your complete financial situation rather than focusing only on your credit score. This allows her to find solutions that improve your chances of approval and better fit your needs.

 
 

Your Trusted Partner in Home Financing

Construction loans give borrowers full control over design, materials, and layout, allowing them to build a home that truly meets their needs. This level of customization is not possible with traditional home purchases. Kristeen supports clients throughout the process, helping them align their construction plans with their financing strategy. Her goal is to ensure that every detail of the project is supported by a strong financial foundation.