We work “in-house” at Serenity Homes to put together the best loan program to suit your needs. Let us help you find a loan that will include all aspects of your project - land, home and all construction expenses for one monthly payment.

We have established strong financial ties with a local lender that provides Serenity Homes with many lending advantages. This lender uses a “one-time close” process for the financing of your construction/permanent loan; to help reduce costs in financing the building of your new home.  Loan packages are available with as little as 5% down and terms of up to 30 years on approved credit.

Below are some frequently asked questions:

What is a Construction-to-Permanent Loan?

A Construction-to-Permanent Loan is two loans in one. Unlike buying an existing home, financing the building of a new home includes a construction phase, the period of time your new home is being built. Once construction is complete, a permanent mortgage is needed. A Construction-to-Permanent Loan includes both the construction phase and the permanent mortgage. This is why it’s called a Construction-to-Permanent Loan.

What if I do not currently own the property on which I want to build a new home?

A Construction-to-Permanent Loan can encompass your land purchase, your manufactured/modular home and construction costs.

What is “one-time close” and how does it save time and money?

One-time close means with one construction loan application, one loan qualification and one loan closing, you get all the financing you need - a construction loan to build your home and a permanent mortgage when construction is complete. Best of all, you only pay one set of closing costs.

Every project is unique, so call us today to pre-qualify you for your home loan!


899 Garden Highway  •  Yuba City CA 95991

Hours: By Appointment Only