Take Advantage of Below Market Interest Rates

Building a new home is an exciting milestone, and we’re here to make the process even easier. Financing plays a key role in making your dream home affordable, allowing you to borrow at a rate that fits your budget and keeping your payments manageable.

At Red Door Homes, we understand how important it is to secure the right interest rate. That’s why we’re excited to offer a limited-time 5.375% interest rate / 5.890% APR* through our trusted preferred lender, OneTrust Home Loans.

This below-market rate gives you a unique opportunity to lock in savings as you plan your new home. Whether you're just beginning your homebuilding journey or ready to start construction, this rate lock ensures your rate won’t increase—even if the market does.

When it comes to financing your new home, OneTrust Home Loans is here to help you navigate the process with ease. Their experienced team will work with you every step of the way to find the best solution for your needs.

Conventional Single Close, Construction-to-Permanent Loan Program: This program offers a single loan closing for financing both the construction and permanent phases of your new home. Loan Terms & Repayment: The loan features a 12-month construction phase followed by a 30-year (360-month) conventional permanent financing phase. Construction Phase (12 Months): Features a fixed interest rate of 7.990% and requires monthly interest-only payments during this period. The initial payment is $749.06, based on an assumed initial disbursement of $112,500 (one-half of the total loan amount). Important: The amount of the monthly interest-only payment will increase as additional construction funds are disbursed, up to the full loan amount. The maximum monthly interest-only payment, based on the full $225,000 loan amount, would be approximately $1,498.13. Permanent Phase (30 Years / 360 Months): Upon completion of construction, the loan converts to permanent conventional financing with a fixed interest rate of 5.375% and requires 360 monthly principal and interest payments of $1,259.94. The stated monthly payment of $1,259.946 does not include amounts for property taxes or homeowner's insurance. Your actual total monthly housing payment will be higher. The Annual Percentage Rate (APR) is 5.890% for this loan, which reflects the total cost of credit over both the construction and permanent phases including interest and financed charges. The rates and payments quoted are based on the following assumptions: a Conventional purchase loan with a $225,000 loan amount, 25% down payment, a minimum FICO score of 660 on a primary residence, and a 60-day rate lock. The disclosed APR of 5.890% is based on the interest rates for both phases and includes $7,165 in Estimated Closing Costs Financed (Paid from your Loan Amount). These financed costs include: $3,375.00 in Discount Points (1.5% of loan amount), $1,795 Construction Administration Fee, $1,995 Processing Fee and $215 Credit Report Fee.

This is not a commitment to lend or offer to extend credit. All loan programs are subject to borrower qualification, credit approval, underwriting guidelines, and available property types. Certain loan programs and/or promotions may not be available in all states. Rates shown are effective as of 5/12/2025, however rates, terms, fees, credits, programs, and conditions are subject to change without notice. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. 
Branch NMLS #1616247; Branch Address: 1144 Executive Circle, Office # 225, Cary NC 27511; Regulated by the North Carolina Commissioner of Banks Office License # L-162033-123; CalCon Mutual Mortgage LLC, dba OneTrust Home Loans is an Equal Housing Lender NMLS #46375; Corporate phone (888) 488-3807. For more licensing information visit: https://onetrusthomeloans.com/licensing-information/. This is an Advertisement.