There are many advantages to building your own home. There's no mysterious history behind the home's condition and you can design rooms and layout for your own needs. With Ryan Harding, Mortgage Banker @ Security Home Mortgage, you can get the funds needed to build your new dream home in Lehi, UT. Lehi is a rapidly growing market, so whether you plan on living in your new property or selling it to your clients, we can help you see it through to the finish.

Get the Best Mortgage Lender for Your Construction Loans

Ryan Harding works closely with his clients to design the best loan strategy for their plans. We offer a couple standard options for home construction loans. While both choices have their ups and downs, it's wise to seek advice from a qualified mortgage lender who knows Lehi well. Our loans are designed to cover your construction costs as well as the land your new home will sit on.

Construction-to-Permanent Loans

With Ryan Harding at Security Home Mortgage, you can opt for a construction-to-permanent loan. This arrangement requires that you borrow a loan for construction. During the course of construction, you'll pay interested on the outstanding balance. This interest will vary depend on construction based on the prime rate. You can choose a fixed-rate or adjustable-rate loan for around 15 or 30 years, typically. This plan works as a 2 in 1 approach to carry you from groundbreaking to move in day.

Stand-alone Construction Loans

For families who already own a home but still want to build one, stand-alone loans may be the way to go. These loans require a smaller down payment and allow you to stay at your old home while your new house is under construction. However, this plan requires two closings and two sets of fees-- the first for construction, the second for your permanent mortgage.

Get a Construction Loan from Lehi's Top Mortgage Companies

Don't let your finances get in the way of having your dream home. Our mortgage lenders personalize your loan strategy based on your preferences and needs. Call Ryan Harding, Mortgage Banker @ Security Home Mortgage today. We serve the entire Lehi area with quality loans and consultations. Learn more today by contacting us at 801-228-0937.

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"Ryan worked with my wife and I for our first home and it seemed that he was a constant advocate for our interest. For first time home buyers, this was a necessity as we didn't have a lot of knowledge in this particular area and in hind-sight I can see how big of an asset he truly was for the whole process."

Jonathan & Lynette Bowers
"I've worked with Ryan Harding as both a Realtor and as a customer for my own home financing. He is professional and always responsive to my needs. I would recommend him to anyone looking for a home loan."

Jason Bringhurst
"My experience working with Ryan was absolutely wonderful and positive in every way! As a first time home buyer I had a lot of questions and was quite inexperienced with the whole process. Ryan was very patient and extremely helpful; he was great at answering all my questions and made himself available when needed. He made what might have been a stressful situation a very positive and smooth one!"

Mandi Anderson
"On top of all the great service Ryan gave us, we had a problem near the end of the process with the seller and Ryan went above and beyond the call of duty to help us. He personally contacted the seller's agent and solved the problem for us. Ryan is truly outstanding at his job and his integrity is second to none. You will not be disappointed if you use Ryan's services."

Ron & Bonnie Frohlich
"Ryan was always willing to listen and kept us updated on each step as things were processing. He also worked around whatever time frame we needed with our work schedules. I would recommend Ryan in a heartbeat and we are forever grateful to Ryan for helping us get our own home sweet home."

Ben & Dara Blanchette
"Mr. Harding was a great person to work and did everything he promised to do. He followed up and made all the necessary phone calls to get the job done. He really amazed my wife and I with his proactive attitude and take care of business. When we buy a home in the future we will make sure to come back and work with Mr. Harding."

Brandon & Jenelle Boyd