Construction Loans

Build Your Dream Home with Confidence If you’ve always dreamed of building a custom home, a Construction Loan can help turn that vision into reality. Construction financing provides the funds needed to build a new home from the ground up, covering approved construction costs while your home is being built. Larry Johnson proudly helps homebuyers throughout Minnesota navigate the construction financing process with personalized guidance from planning to completion. Construction loans typically fund the building phase through scheduled disbursements and may later convert into a permanent mortgage depending on the loan structure.
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Financing Your Home From the Ground Up

Building a home is different from buying an existing one, and it requires financing designed specifically for the construction process. Construction Loans provide funding in stages as your home is built, ensuring that funds are available as construction milestones are completed. Many borrowers choose a construction-to-permanent loan, which allows the construction financing to convert into a traditional mortgage once the home is finished.

Whether you’re building your first home or creating your forever home, Larry Johnson works closely with you, your builder, and the lending team to make the financing process as smooth and efficient as possible.

KEY FEATURES OF CONSTRUCTION LOANS

Flexible Financing for Your Custom Home Construction Loans are designed to support every stage of the building process. Funds are typically released through scheduled draws as construction progresses, helping ensure your builder has access to the financing needed to complete each phase of the project. During construction, borrowers often make interest-only payments on the amount that has been disbursed, depending on the loan program. Larry Johnson will help you understand your financing options, explain the construction loan process, and guide you from application through the completion of your new home.
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WHY CHOOSE A CONSTRUCTION LOAN?

A Construction Loan gives you the flexibility to build a home that fits your lifestyle, preferences, and future needs instead of settling for an existing property. From selecting your builder to final closing, Larry Johnson provides expert guidance throughout the financing process, helping Minnesota families confidently move from blueprint to move-in day.
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BENEFITS OF CONSTRUCTION LOANS

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Customize your home’s layout, finishes, and features to match your family’s lifestyle and long-term goals.

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Loan funds are generally released in scheduled draws as construction milestones are completed, helping support each phase of the project.

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Many construction-to-permanent loan programs allow qualified borrowers to finance both construction and the permanent mortgage with a single closing.

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Receive personalized support from planning and financing through construction and final closing.
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BUILD YOUR FUTURE WITH CONFIDENCE

Let’s Bring Your Dream Home to Life Building a custom home is one of the most exciting investments you’ll ever make, and having the right financing partner can make all the difference. Larry Johnson is committed to helping Minnesota homebuyers understand the construction loan process, evaluate financing options, and move confidently through every stage of building a new home. Whether you’re building on land you already own or purchasing land as part of your project, you’ll receive professional guidance and personalized service from start to finish.
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WHY CHOOSE JOHNSON PREMIER MORTGAGE

At Johnson Premier Mortgage, powered by Edge Home Finance, we believe every homebuyer deserves personalized guidance, transparent communication, and financing solutions tailored to their unique goals. Whether you’re purchasing your first home, refinancing your current mortgage, building a new home, or investing in real estate, Larry Johnson is committed to making the mortgage process simple and stress-free.

With over 10 years of mortgage lending experience, Larry proudly serves homebuyers throughout Minnesota, helping clients confidently navigate every step of the lending process while providing exceptional service from application through closing.

We are known for

Personalized Mortgage Solutions

Every borrower has unique financial goals. We take the time to understand your needs and recommend loans

Fast & Efficient Loan Process

From pre-approval to closing, we provide responsive communication, streamlined processing

Wide Range of Loan Programs 

Whether you’re purchasing, refinancing, building, or investing, we offer a variety of mortgage solution

Clear Guidance From Start to Finish

Serving homebuyers across Minnesota with honest advice, clear communication, and dedicated support

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"FAQs"

We offer a variety of mortgage solutions including Conventional Loans, FHA Loans, VA Loans, USDA Loans, Construction Loans, HELOCs, Doctor Loans, DSCR Loans, and Bank Statement Loans to meet a wide range of borrower needs.

Every borrower’s financial situation is different. Larry Johnson will review your goals, income, credit, and homeownership plans to recommend the loan option that best fits your needs.

Getting pre-approved is simple. Complete an application, provide the required financial documentation, and we’ll review your information to determine your buying power and financing options.

Yes. Refinancing may help lower your interest rate, reduce your monthly payment, shorten your loan term, or access your home’s equity depending on your financial goals.

Most applications require proof of income, employment information, bank statements, identification, and details about the property you’re purchasing or refinancing. Additional documentation may be requested depending on the loan program.

Ready to Build Your Dream Home?

Whether you’re just beginning to plan or you’re ready to break ground, Larry Johnson is here to help you explore Construction Loan options and finance your new home with confidence. Complete the form below to get started with personalized mortgage guidance designed around your building goals.