Finance your dream home

Construction Home Loan

Finance each step of building your dream home from lot acquisition to construction to a permanent mortgage.

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Why WSFS Mortgage?

World-class service, local decision-making power and a range of mortgage options to achieve your goals.
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Personalized approach

Legendary service to help you navigate the process.
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Flexible programs

Take advantage of lower rates at different stages of building your home.
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Nationwide lending

Construction home loans for primary homes and secondary residences in all 50 states.

Finance Your Dream Home in 3 Easy Steps

Construction home mortgages are available for primary and secondary residences in all 50 states.

Step 1: Lot acquisition

Fixed and variable rates available,[1] finance up to 70% of the purchase price up to $500,000.

Step 2: Construction

Fixed rate[2] financing up to 80% of the “as completed value”[3] up to $1,500,000.

Step 3: Permanent mortgage

Fixed/variable rates, financing up to 80% of “as completed” appraised value and rate lock.


What is a construction home loan?

A construction home loan is a type of loan that is designed to help you finance the construction of a custom-built home. It allows you to borrow money to pay for the costs of acquiring the lot, building the home and securing a permanent mortgage after it is built.

What are the benefits of a construction home loan?

One of the main benefits of a construction home loan is that it allows you to build or renovate a home that meets your specific needs and preferences. Additionally, because the loan is designed for each step of the process, you may be able to get better interest rates and terms than you would with a traditional mortgage.

How much can I borrow with a construction home loan?

The amount that you can borrow with a construction home loan will depend on a variety of factors, including your income, credit score and the value of the property you are building. WSFS Mortgage offers a variety of construction home loan options to help you find the right loan for your needs. Contact a mortgage specialist to discuss your specific needs.
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Meet the WSFS Mortgage Team

Other Products That May be Right for You

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Special programs for qualifying homebuyers.
Receive up to $10,000 in down payment assistance and/or closing costs – no repayment required.
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We’re here to help. Complete the form below to be contacted by a member of the WSFS Mortgage team.