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Construction Loans

We would like to help make your financing process as smooth and easy as possible.

In order to build your new home, you will need a construction loan. With a construction loan, you will be able to add in the price of the home, the cost of your land, and any additional items you may need to get the land ready to build on.

We would be happy to provide you with a list of Heritage Homes’s approved mortgage lenders. 

If you are not able to use a construction loan, please contact us, and we can work with you on investigating an alternative financing option.

Mortgage Calulator

Looking to get an estimate on what your monthly payments might be? Try using our mortgage calculator. We can give you an idea of what they might be based on what you think your loan will be and an estimated interest rate.

This calculator can help you determine what your monthly mortgage payments might be before insurance and property taxes. The results of the loan payment calculator are for comparison purposes only.

To use:

Loan Amount – enter the amount you think you will be borrowing. This could include the price of the home, the cost of your land and any land prep you may need. You will need to estimate how much you think each of these will be.

Number of Years for Loan – enter the number of years you plan on financing – most finance for 15 or 30 years.

Interest Rate – you will need to estimate what your interest rate might be. (For example 5.25%)

You will then click the “Calculate” button and your estimated monthly payment (before taxes and insurance) will appear. You can hit “Reset” and start the process over again.

*This calculator estimates principal and interest payments only. This calculator is for estimation purposes only. Your mortgage company will calculate your exact payments. Please contact us for a list of approved mortgage lenders from whom Heritage Homes accepts loan commitments.

Monthly Mortgage Payments

mortgage calculator with pmi, insurance and taxes.

Financing Checklist

You’ve signed your contract; now what else needs to be added to your home loan? This is a common question and we’ve created a checklist to help you figure out what you may have to add. This list is just an example – it is possible that you may not need everything on this list, or you may find that you may need something that is not listed here.