← Drag the slider to reveal →
We speak both banker and general contractor.
Most lenders understand mortgages. Most builders understand construction. Blueprint sits at the intersection — navigating draw schedules, builder approvals, and rate lock windows so your project never stalls for a dollar.
See a real deal →First-Time Buyers
Watching your lot get graded and wondering if your rate will hold until the roof goes on.
Custom Builders
Juggling spec timelines, draw schedules, and builder approvals across multiple lots.
Developers
Converting construction lines into permanent 30-year paper with no second closing.
The Hendersons needed a lender who understood the build hadn't started yet.
Marcus and Priya Henderson. Lot in Naperville, IL. Builder contract signed. Bank said wait until foundation — Blueprint said lock now.
Rates rose 62 basis points during the 7-month build cycle. Floating would have added $218/month to their permanent payment — forever.
Rate locked before a single wall went up. The Henderson's permanent payment was set on day one.
Five draws. Zero surprises. Every dollar tracked to the stud.
Blueprint pre-negotiated the draw schedule with the lender before closing. The Henderson's builder never waited more than 5 days for funds after inspection.
Most bank draw processes take 10–21 days. A framing crew that sits idle for 3 weeks costs $4,200–$8,400 in carrying costs — before a single nail goes in.
One loan. One closing. Construction becomes permanent at the flip of a switch.
The day the Henderson's received their CO, the construction loan automatically converted. No new appraisal. No second closing. No scramble.
Lock your construction rate today.
Takes 90 seconds. A Blueprint loan officer reviews your scenario and responds within 2 business hours.
Submitting this form does not constitute a loan application. No credit pull without your explicit authorization.
Today's Construction Loan Rates
Construction loan pricing is more complex than a standard mortgage. Lock period length, draw count, and builder approval status all affect your rate. These are real program rates — not teaser numbers.
Unlock specific rate details
Enter your email to see exact rates, APRs, and points for each program. No credit pull. No obligation.
No spam. Rates update every business day.
Rates shown are for illustrative purposes based on a 720+ credit score, 20% down, primary residence, IL property. Actual rates vary by borrower profile, property type, and lender. Not a commitment to lend. NMLS #2847193.
Every day you float is a day rates can move.
A 50-basis-point move during a 7-month build adds $80,000+ in interest over the life of a $500,000 loan. Blueprint locks your rate before the foundation cures.
Lock My Construction Rate
90 seconds. No credit pull. Response within 2 hours.