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Builders Associations serve as a resource for homebuyers, as well as professionals in the industry. Contact a Builder Association from the list below to find local contractors who can help build your dream home.

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Now is the time to drop the interest rate on your 30-year mortgage or refinance into a 15-year home loan.

FHA Rates for September 26, 2020
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FHA.com is a privately owned website, is not a government agency, and does not make loans.

One-Time Close Resources for Homebuyers

Find Professional Builders in Your Area

Having a home built from scratch is a big deal, and you need the right team of professionals working on it. In order to secure a One-Time Close Loan you have to find a contractor, and that’s where Builders Associations can help! These organizations serve as a resource for homebuyers, as well as professionals in the building industry. We've compiled a list of Associations in each state to help pair you up with a local builder near you!

Home Builders Association of Alabama, Greater Birmingham Association of Home Builders, Greater Montgomery Home Builders Association, Home Builders Association of Mobile

Alaska State Home Building Association, Anchorage Home Builders Association, Mat-Su Home Builders Association, Southeast Alaska Building Industry Association

Home Builders Association of Central Arizona, North Arizona Building Association, Southern Arizona Home Builders Association, Arizona Custom Home Builders

Home Builders Association of Greater Little Rock, Northwest Arkansas Home Builder's Association, Arkansas Home Builder Association

New Homes Directory

Home Builders Association of Metro Denver, Colorado Association of Home Builders, Housing & Building Association of Colorado Springs, Northern Colorado Home Builders Association, Housing and Building Association of Northwestern Colorado

Home Builders & Remodelers Association of Connecticut, Inc., Home Builders Association of Central Connecticut, Home Builders & Remodelers Association of Fairfield County, Home Builders & Remodelers Association of Eastern Connecticut

Home Builders Association of Chester and Delaware Counties, Home Builders Association of Delaware

New Home Source

Greater Orlando Builders Association, Florida Home Builders Association, Tampa Bay Builders Association, Builders Association of North Central Florida, Home Builders Association of West Florida, Builders Association of South Florida, Treasure Coast Builders Association, Home Builders Association of Brevard

Home Builders Association of Georgia, Greater Atlanta Home Builders Association, Home Builders Association of South Georgia, Home Builders Association of Middle Georgia, Home Builders Association of North Georgia

New Home Source

Idaho Building Contractors Association, Building Contractors Association of Southwestern Idaho, Snake River Valley Building Contractors Association, Magic Valley Builders Association

Home Builders Association of Illinois, Northern Illinois Home Builders Association, Home Builders Association of Greater Chicago, Home Builders Association of East Central Illinois, Springfield Area Home Builders Association, Home Builders Association of the Greater Rockford Area, Home Builders Association of the Greater Southwest Area, Western Illinois Builders Association

Indiana Builders Association, Builders Association of Greater Indianapolis, Home Builders Association of Northwest Indiana, Building & Development Association of Southern Indiana, Home Builders Association of Fort Wayne

Home Builders Association of Des Moines, Cedar Valley Home Builders Association, Ames Home Builders Association, Greater Cedar Rapids Housing & Building Association, Home Builders Association of Greater Siouxland

Home Builders Association of Greater Kansas City, Topeka Area Building Association, Flint Hills Builders Association, Wichita Area Builders Association

Home Builders Association of Kentucky, Building Industry Association of Greater Louisville, Building Industry Association of Central Kentucky, Building Industry Association of Northern Kentucky, Home Builders Association of Owensboro

Louisiana Home Builders Association, Home Builders Association of Central Louisiana, Acadian Home Builders Association, Home Builders Association of Southwest Louisiana, Capital Region Builders Association, Home Builders Association of Northeast Louisiana

Home Builders and Remodelers Association of Maine, Maine Contractors and Building Alliance, Association of Builders and Contractors Maine

Maryland Building Industry Association

Home Builders & Remodelers Association Massachusetts, Home Builders and Remodelers Association of Western Massachusetts, Home Builders and Remodelers Association of Central Massachusetts, Home Builders and Remodelers Association of Cape Cod

Home Builders Association of Michigan, Home Builders Association of Central Michigan

Builders Association of Minnesota, Builders Association of the Twin Cities, Central Minnesota Builders Association, Mid-Minnesota Builders Association

Home Builders Association of Mississippi, Home Builders Association of Jackson, Greater Hattiesburg Home Builders Association

Home Builders Association of St. Louis , Home Builders Association of Central Missouri, Home Builders Association of Southwest Missouri, Home Builders Association of Greater Kansas City

Home Builders Association of Billings, Home Builders Association of Great Falls, Southwest Montana Building Industry Association

Nebraska State Home Builders Association, Home Builders Association of Lincoln, Norfolk Area Home Builders, Central Nebraska Home Builders Association

Nevada Home Builders Association, Builders Association of Northern Nevada, Nevada Builders Alliance

New Hampshire Builders Association, Southern New Hampshire Builders and Remodelers Association, Home Builders Association of Greater Manchester-Nashua, The Seacoast New Hampshire Home Builders Association

New Jersey Builders Association, Builders Association of Northern New Jersey, Metropolitan Builders and Contractors Association of New Jersey, Builders League of South Jersey

New Mexico Home Builders Association, Home Builders Association of Central New Mexico, Lincoln County Home Builders Association

New York State Builders Association, Capital Regional Builders and Remodelers Association, The Building Industry Association of NYC, Inc., Queens and Bronx Building Association

North Carolina Home Builders Association, Home Builders Association of Raleigh - Wake County, Home Builders Association of Greater Charlotte, Home Builders Association of Winston-Salem

North Dakota Association of Builders, Bismarck Mandan Home Builders Association, Home Builders Association of Fargo Moorhead

Ohio Home Builders Association, Home Builders Association of Greater Cincinnati, Home Builders Association of Greater Cleveland

Oklahoma State Home Builders Association, Central Oklahoma Home Builders Association, Home Builders Association of Greater Tulsa

Oregon Home Builders Association, Home Builders Association of Metropolitan Portland, Home Builders Association of Lane County

Pennsylvania Builders Association, Home Builders Association of Metropolitan Harrisburg, Builders Association of Metropolitan Pittsburgh, The Home Builders Association of Bucks and Montgomery Counties

Rhode Island Builders Association

Home Builders Association of South Carolina, Charleston Home Builders Association, Home Builders Association of Greenville

Home Builders Association of the Sioux Empire, Black Hills Home Builders Association, South Dakota Home Builders Association

West Tennessee Home Builders Association, Home Builders Association of Greater Knoxville

Home Builders Association of Greater Austin, El Paso Association of Builders , Greater Houston Builders Association, Greater San Antonio Builders Association

Utah Home Builders Association, Salt Lake Home Builders Association, Utah Valley Home Builders Association

Home Builders and Remodelers Association of Northern Vermont, Inc.

Home Builders Association of Virginia, Home Building Association of Richmond, Home Builders Association of Central Virginia, Tidewater Builders Association

Home Builders Association of Tri-Cities, Spokane Home Builders Association, Central Washington Home Builders Association, Building Industry Association of Washington

Home Builders Association of West Virginia, North Central West Virginia Home Builders Association

Wisconsin Builders Association, Metropolitan Builders Association, South Central Wisconsin Builders Association

Southeast Wyoming Builders Association, Central Wyoming Home Builders Association

Want More Information About One-Time Close Loans?

We have done extensive research on the FHA (Federal Housing Administration), the VA (Department of Veterans Affairs) and the USDA (United States Department of Agriculture) One-Time Close Construction loan programs. We have spoken directly to licensed lenders that originate these residential loan types in most states and each company has supplied us the guidelines for their products. We can connect you with mortgage loan officers who work for lenders that know the product well and have consistently provided quality service. If you are interested in being contacted by a licensed lender in your area, please send responses to the questions below. All information is treated confidentially.

FHA.com provides information and connects consumers to qualified One-Time Close lenders in an effort to raise awareness about this loan product and to help consumers receive higher quality service. We are not paid for endorsing or recommending the lenders or loan originators and do not otherwise benefit from doing so. Consumers should shop for mortgage services and compare their options before agreeing to proceed.

Please note that investor guidelines for the FHA, VA and USDA One-Time Close Construction Program only allows for single family dwellings (1 unit) – and NOT for multi-family units (no duplexes, triplexes or fourplexes). In addition, the following homes/building styles are not allowed under these programs: Kit Homes, Barndominiums, Log Cabin Homes, Shipping Container Homes, Stilt Homes, Solar (only) or Wind Powered (only) Homes.

Your email to [email protected] authorizes FHA.com to share your personal information with a mortgage lender licensed in your area to contact you.

  1. Send your first and last name, e-mail address, and contact telephone number.
  2. Tell us the city and state of the proposed property.
  3. Tell us your and/or the Co-borrower’s credit profile: Excellent – (680+), Good - (640-679), Fair – (620-639) or Poor- (Below 620). 620 is the minimum qualifying credit score for this product.
  4. Are you or your spouse (Co-borrower) eligible veterans? If either of you are eligible veterans, down payments as low as $0 may be available up to the maximum amount your debt-to-income ratio per VA will allow – there are no maximum loan amounts as per VA guidelines. Most lenders will go up to $750,000 and review higher loan amounts on a case by case basis. If not, the FHA down payment is 3.5% up to the maximum FHA lending limit for your county.