Save time and money with a One-Time Close

What makes a One-Time Close right for you? You’re not just buying—you’re BUILDING. And you’re looking to get a deal whenever possible—without cutting corners, of course. A one-time close lets you lock in a low rate for construction, then carries it over for your mortgage loan. So if the market changes and rates go up, you don’t have to worry.


  • Only one closing – That means only one set of closing paperwork and costs (and we even help you out there…)
  • Save up to $5,000 on closing costs1 – We’ll cover you up to $5,000
  • Lock in at low rate during building – Whether construction takes longer than expected or the market changes, you don't have to worry about your rate going up


One-Time Close Loan Rates
Product Points APR Rate as low as... Payment example
1XClose 30 YR Fixed * 0% 3.344% 3.250% $599.53
1XClose 15 YR Fixed * 0% 2.921% 2.750% $969.07
* Based on a $135,000 Loan Amount with a 80% LTV and FICO>=740. Payment examples do not include taxes; actual payment may be greater.


Membership eligibility required. Loan subject to credit approval. Financing available for properties in Texas, Colorado or Utah. Minimum loan amounts may apply. Rates subject to change. 


† APR = Annual Percentage Rate. The APR is accurate as of 1/21/21.
◊ Image is for illustrative purposes only. Not an actual member.