One closing path
Eligible projects can move from construction through permanent financing in one connected process, with the conversion conversation understood before the build begins.
Utah construction-to-permanent financing
Plan the build before you commit to the lot.
Explore a one-close construction-to-permanent loan for your Utah build. Eligible projects can move from construction through permanent financing in one connected path—starting with the land, builder, budget, appraisal, draws, and conversion.
A one-close path is confirmed only after the project and current program requirements are reviewed.
01One closing
02Construction draws
03Permanent financing
01
Featured build path
Start here if you’re ready to build
One closing. One build plan. A clear route to permanent financing.
The central job is to put the lot, builder, plans, project budget, appraisal preparation, draw process, and permanent-financing conversation into one file before closing.
Explore construction-to-permanentProject file / UT-C2PBefore you close
Land + siteAccess, utilities, title, site work
Builder + plansScope, specs, allowances, change process
Budget + appraisalCompleted-home story and project costs
Draws + conversionProgress, administration, permanent phase
Why this path deserves consideration
Financing flexibility has to work in the real build.
One closing is only the headline. The value is a project path that can account for the land position, builder, property type, and the construction work ahead.
Land + equity flexibility
Start with a lot purchase or bring land already owned into the full project review. Current-value treatment, when eligible, follows the current approved program guide.
More than one build type
Physician, specialty-property, renovation or rebuild, and qualified owner-builder paths get their own project conversation rather than a generic answer.
Terms that matter
Title-endorsement savings, reserve flexibility, and float-down details should be confirmed from current approved language for the actual borrower and project.
How we support the build
Financing that understands the jobsite.
The borrower and builder are moving through the same project. Builder approval, contract review, draw communication, inspections, and payment steps should be visible before construction starts.
Builder alignment
Help the chosen builder understand the project-review path, required package, and documentation that can move the file forward.
Contract fit
Fixed-price and cost-plus contracts can be reviewed against current approved Utah program requirements and the actual project scope.
Active draw support
The construction support team helps coordinate draw communication, inspections or progress verification, and payment steps as work moves forward.
Terms to confirm
Title-endorsement savings, reserve flexibility, and float-down details can add depth when available. Exact terms and eligibility must follow current approved guidance.
Choose your starting point
Start with the fact that changes the project.
Whether you need land, already own it, have a builder, or have plans, the next useful conversation depends on the project facts in front of you.
01
Starting pointI need land
02Start with the parcel, its site questions, and a future-build path that stays honest.
Starting pointI already own land
03Bring current land position, potential equity, site work, and the build plan into one project review.
Starting pointI have a builder
04Make sure the builder package, contract type, budget, and draw process are ready to move together.
Starting pointI have plans
Use the plans, specs, budget, and property facts to start a build-ready construction-to-permanent conversation.
The project sequence
The plan has to hold together before you close.
The land, drawings, builder agreement, budget, appraisal, and draw process have to survive the same conversation. That is where a workable construction file begins.
Land + site
Access, title, utilities, site work, and the facts the future build must answer.
Builder + scope
Agreement, plans, specifications, allowances, milestones, and changes.
Budget + appraisal
A complete project picture and a clear completed-home story.
Funds to close
Owned land or usable equity can inform a full project review—not replace it.
Draw administration
Progress, documentation, verification, and changes during construction.
Permanent phase
Know how the finished-home phase connects before the first draw.
Plans + budget + builder
Buildable financing starts with a project that reads clearly on paper.
Bring the lot, plans, builder contract, cost breakdown, and timeline together before the project becomes harder to change.
Read the project sequenceUtah planning conditions
Utah dirt changes the build plan.
A Wasatch foothill lot, a Utah County growth-area parcel, a Park City second home, and outer-market acreage do not bring the same access, utility, timing, or appraisal questions.
Wasatch Front + foothills
Urban, suburban, and foothill build planning where lot fit, access, builder documents, appraisal support, and timing need to stay aligned.
Read the planning questionUtah County growth areas
Subdivision-versus-acreage choices, utilities, builder capacity, site work, and a budget that has to keep pace with land decisions.
Read the planning questionPark City + Summit projects
Second-home or custom-project planning with site access, seasonal timing, occupancy, property-specific review, and appraisal preparation.
Read the planning question
Meet Matthew Siket
Bring the facts. Get the next move clearer.
Matthew leads the planning conversation at Utah Construction Loan. The goal is to identify the project path, missing facts, and useful next step before you spend more time or money moving in the wrong direction.
Map my Utah buildField note / 01
“The right question is rarely just, ‘What is today’s rate?’ It is: what do you own, what are you building, and what has to happen next?”
Field questions
Questions worth asking before the concrete arrives.
What should I know before making an offer on land in Utah?+
Start with access, title, utilities, site work, zoning or use questions, and the shape of the future build plan. A future construction project is reviewed separately.
Do I need a builder before I start?+
No. A conversation can begin with an idea, parcel, or timeline. Clear builder and scope documentation eventually matter, so knowing what is missing early is useful.
Is a gut remodel the same as a renovation?+
Not always. Demolition, structural work, and a substantially changed property can point to a construction-level planning conversation.