Building a Home

Millennium Mortgage has been helping customers build their dream homes for years. We provide custom home financing for the purchase of residential lots and the construction of your primary residence, vacation home or investment property. We offer flexible financing plans, including loan amounts up to $4,000,000, through the following:

Construction Financing

Lot Financing

Speculative Construction Loans

Construction Financing - Our One-Time Close Construction-to-Permanent Loan makes financing your dream home much easier. Features include:

  • One application, one approval, one closing and one interest rate saves time and money
  • Extended 18-month construction period - interest only
  • Lock-in at today's interest rate for a permanent mortgage at time of approval
  • Take advantage of a one-time float down if rates decline during the construction period


Lot Financing - Our lot loan is the right loan if you are looking to purchase a residential lot for future construction of a primary residence or second home. Once you have purchased your land, you will have time to design your new home and choose a contractor. Best of all, we have Construction-to-Permanent financing when you are ready to build.


We offer exclusive lot loan programs with low closing costs, affordable payments and high Loan-to-Value (LTV).

Speculative Construction Loans - These loans are designed to help professional homebuilders, contractors and developers get their next project off the ground.



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