Build on your own land guide-construction-land-loans
Building a home from the ground up is different than purchasing an existing property. At Investus Group LLC, we help borrowers navigate the financing process for land purchases, new construction, modular homes, and custom home projects with clarity, strategy, and confidence.
Whether you are purchasing land, building your dream home, financing a modular property, or exploring construction-to-permanent financing, our goal is to help structure the right financing solution for your vision and long-term goals.
Build On Your Own Land
Already own land? Planning to purchase land before building?
We help clients explore financing options for:
- Custom site-built homes
- Modular home construction
- Land + construction financing
- Primary residences
- Rural and USDA-eligible properties
- Investment opportunities
From pre-approval to project completion, we guide clients through every stage of the process.
Construction-to-Permanent Loans
A construction loan that converts into a long-term mortgage after completion of the home.
Benefits:
- One closing
- Construction funds released in stages
- Converts into permanent financing
- Ideal for custom home projects
FHA One-Time Close Construction Loans
Benefits:
- Lower down payment options
- One-time closing
- Flexible qualification structure
- Available for eligible new construction and modular homes
VA Construction Loans
Benefits:
- Potential 0% down payment
- Competitive interest rates
- One-time close options available
- Designed for eligible veterans and military families
USDA Construction Loans
Benefits:
- Low-to-no down payment options
- Rural property eligibility
- Affordable homeownership opportunities
- Financing solutions for eligible rural construction projects
Modular Home Financing
We help borrowers understand:
- Eligible loan programs
- Builder requirements
- Foundation requirements
- Appraisal expectations
- Land and utility considerations
Important Land & Site Evaluations Before You Build
Not every piece of land is immediately buildable. Before purchasing land or beginning construction, borrowers may need inspections, testing, and property evaluations to determine whether the property qualifies for financing, permits, utilities, and construction.
A beautiful lot does not always mean a buildable lot.
In some cases, only part of the property may actually be approved for construction depending on soil conditions, flood zones, easements, setbacks, wetlands, utility access, or county restrictions.
Common Land & Property Evaluations
Soil Testing / Perc Test
A perc test evaluates how water drains through the soil and is often required for septic approval and drainage evaluation.
Some lots may fail septic approval or require engineered septic systems before construction can begin.
Survey & Boundary Verification
A survey confirms:
- Property boundaries
- Easements
- Access points
- Encroachments
- Legal dimensions
This helps determine where construction is legally allowed.
Flood Zone & Environmental Review
Certain properties may contain:
- Flood-prone areas
- Wetlands
- Conservation restrictions
- Environmental limitations
These issues may impact financing, insurance, permits, and buildability.
Utility Availability Verification
Borrowers should confirm availability of:
- Power
- Water
- Sewer
- Septic approval
- Internet
- Gas availability
Utility extension costs can significantly impact the overall project budget.
Zoning & Land Use Review
Zoning determines:
- What can be built
- Minimum lot requirements
- Setback restrictions
- Manufactured/modular allowances
- HOA limitations
- Property usage restrictions
Not all counties allow every property type.
Required Documentation May Include
Construction and land loans typically require additional documentation compared to traditional mortgage financing.
Common items may include:
- Government-issued ID
- Income documentation
- Tax returns
- Bank statements
- Land purchase contract or deed
- Builder contract
- Plans and specifications
- Project budget
- Builder licensing and insurance
Why Clients Choose Investus Group LLC
At Investus Group LLC, we understand construction financing is more than just a loan — it is a strategy.
Clients work with us because we provide:
- Clear communication
- Construction financing guidance
- Customized financing solutions
- Strong lender relationships
- Professional support from start to finish
We help simplify the process so borrowers can move forward with confidence while avoiding costly surprises during construction.
Let’s Build Your Plan Together
Whether you are:
- buying land,
- building a custom home,
- financing a modular property,
- or exploring construction financing options,
we are here to help guide the process.
Contact Investus Group LLC
Lamont Floyd
Strategic Growth Mentor
Business, Commercial & Residential Finance
📞 904-415-4654
📧 Lamontfloyd@investusgroupllc.com
🌐 InvestusGroupllc.com