WSFS Mortgage’s unique Custom Home Mortgage Program allows you to comfortably finance each step of building your own home. Our series of loans are all managed by WSFS Mortgage Associates, providing you with a seamless experience and the opportunity to take advantage of lower rates at different steps in the process.

1. Lot Acquisition Loan

  • Fixed and variable rate programs available*
  • Finance up to 70% of the purchase price
  • Loan amounts of $25,000 to $500,000
  • Investment/speculation prohibited
2. Construction Loan
  • Fixed rate program**
  • Finance up to 80% of “as completed” appraised value^
  • Loan amounts up to $1,500,000
  • 10 month term
  • Primary and secondary residences only
3. Permanent Mortgage Loan
  • Fixed and variable rate programs available
  • Finance up to 80% of “as completed” appraised value
  • Interest rate lock available 60 days prior to completion
  • Lender credit applied to closing costs^^

To learn more, please contact us or call 1-888-992-7729.

Seamless Financing For Your Dream Home
  • Lot Acquisition Loan
  • Construction Loan
  • Permanent Mortgage Loan
How Much Would My Monthly Payment Be?

*Fixed rate lot loan available for a 1-year, 2-year and 3-year term with a balloon payment in month 12, 24 and 36, respectively. Variable rate interest-only lot loan available for a 2-year term with a balloon payment in month 24. Lot Acquisition Loan closing costs include a 1% origination fee, appraisal fee, title insurance, transfer tax, survey fee, percolation test fee and other government recording fees. Other fees may apply. Lot Acquisition Loan 1% origination fee credited to WSFS Construction Loan closing costs.

**WSFS Construction Loan closing costs include a 1% origination fee, underwriting fee, construction project management fee, appraisal fee, draw fees, title insurance, government recording fees and other fees may apply.

^20% borrower contribution required for loan amounts up to $1,000,000. For loan amounts $1,000,001 to $1,500,000, finance up to 75% of “as completed” appraised value with 25% borrower contribution.

^^Lender credit provided when paying off WSFS Construction Loan and lender credit shall pay all lender charges, appraisal, title insurance and government recording fees. No prepayment penalty fees apply for the lot loan, construction loan or permanent mortgage loan. The monthly obligation will be determined by the total loan amount at the time of closing and the term and interest rate of the loan. Borrowers must meet underwriting guidelines and are subject to credit review and approval. Please contact your WSFS Mortgage Loan Officer for more details.