Our Process

We simplify the journey from a raw blueprint to a move-in ready home using a streamlined, single-closing approach.

Timeline Overview

Application & PreApproval

This can be done in days however you dictate the pace by how quickly paperwork is sent in. Assets, income docs, etc.

Rate Lock & Closing

This can be done in 30 days after receiving the construction contract, line-item budget, and house plans with all elevations

Construction & Draws

This timeline depends on your builder. Typically builds are done in 12 months or under. Bigger builds will go above this.

Final Conversion

This is completed after a certificate of occupancy, final update, and appraisers final inspection comes in.

1. Personalized Consultation & Qualification

This is the foundational stage where you begin with a deep understanding of your unique project and financial goals. Your mortgage loan officer will walk you through the options and determine the best way to push forward on your project.

  • Review and Planning: Your budget is reviewed, which includes the build pricing and the land pricing if not owned already. Land equity for down payment will be reviewed at this time also. This is also the time your timeline is estimated.

  • Required Documentation: Your mortgage loan officer and team assist you in compiling necessary financial documents along with you getting your builders information.

  • Pre-Approval: At this time you will have your financing eligibility validated, giving you and your builder confidence moving forward.

2. Streamlined Application & One-Time Closing

Once the initial plans and documentation are complete, we move into the formal processing, underwriting, and project review. This leads to the significant **One-Time Close**

Key Feature: Interest Rate Lock (Peace of Mind)

  • Rate Security: Your long-term interest rate is secured at closing, protecting you from potential market increases during construction. This provides financial certainty for your long-term mortgage payments.

  • True One-Time Close: Lock in your permanent interest rate and close your loan before construction begins. This saves you the stress, time, and expenses of a second closing and eliminates the need to re-qualify later. Meaning you don't deal with another interest rate on your 2nd closing as you close One-Time.

  • Construction Rate: During the build, you only pay interest on the money drawn by your builder or outstanding balance. The rate you locked prior to the closing is not only your permanent end loan rate but it is also your construction rate. No teaser construction rate and then a different rate on your 2nd closing.


    Transparency: Builder & Project Review

  • Builder Review: Your chosen builder’s experience is reviewed to ensure the project is in professional hands. Your builders personal credit report is not pulled. Builders need to demonstrate financial stability, adequate insurance coverage, and a proven track record (typically 3-5 completed projects of similar scope).

  • Appraisal: A licensed appraiser local to your area reviews your plans and specifications to establish the estimated future value of the completed home.

  • Project Review: Once your appraisal and title is in; your file is sent in for project review. After project review your file is sent in for the clear to close.

3. Project Funding, Construction, & Final Conversion

This phase covers the entire construction period, from groundbreaking to the final switch to your permanent mortgage. You only pay interest on the loan funds that have been disbursed to your builder or outstanding balance.

Part A: Digital Draw Disbursements

We've partnered with a Draw Disbursement team to provide a digital experience that streamlines the entire loan process. With a platform tailored to your project, you can easily request funds and track your project's progress in real-time anywhere.

  • Faster Disbursements- Money is disbursed quicker based on project milestones, verified title updates, and inspections.

  • Real-Time Tracking- Monitor project status and receive updates from the inspector and your builder directly in the portal.

Part B: Final Conversion to Permanent Mortgage

  • Seamless Transition - Once construction is complete and inspected, your loan automatically transitions into the permanent phase. No re-qualification is necessary.

  • Servicing Begins - Your mortgage payments (principal, interest, taxes, and insurance) begin, based on the permanent rate locked in during Stage 2.

  • Conversion Costs - Fees will include your escrows for pre-paid items (interest, insurance, taxes) and any unpaid construction phase interest. You do not pay for another closing.

Equal Housing Lender

We are an Equal Housing Lender. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (with certain exceptions), because all or part of the applicant's income is derived from a public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

NMLS Disclosures

All loans are originated by, NMLS ID 1630219.

Privacy Policy

We are committed to protecting your privacy. The information collected on this website, including your name, phone number, and email, is used solely for the purpose of communicating with you regarding your interest in our construction loan products. This information will not be sold or shared with any third parties other for the purpose of a loan application.

General Disclaimer

This website is for informational purposes only. All loan applications are subject to credit approval, underwriting guidelines, and a complete loan application if you move forward. This website does not constitute a loan commitment or a loan offer and we will not ask for sensitive data at this information gathering stage.


@2025 Blueprint Construction Loans. All rights reserved.

Email: [email protected]

Phone: (314) 374-2008

8182 Maryland Avenue - 12th Floor, Clayton MO 63105

NMLS #1630219 is a Mortgage Loan Officer with a national bank. All products and services offered through this site are originated by a national bank.