Construction Loans

At Western Ohio Mortgage Corporation, we offer a construction to permanent loan program that provides the convenience of a single closing. During the construction of your home, you make interest only payments on the amounts that you have drawn. You must complete the construction of the home within 12 months. At 12 months or upon completion of the home the loan converts from a construction to a permanent loan and your principal and interest payments begin.

We have a variety of programs including:  3/1 and 5/1 adjustable rate mortgages, 30 year and 15 year fixed rate loan options.

Whether you are building a new home, remodeling or expanding your current home, we can help you finance the home of your dreams.

A few highlights of our construction to permanent home loans:

  • Easy one-step financing takes care of everything you need, including both the construction and permanent mortgages. 
  • Lower interest only monthly payments during construction
  • After construction your loan converts to a permanent loan and your principal payments begin.
  • Available for owner-occupants, second home buyers and investors
  • Permanent Fixed Rate and Adjustable Rate Mortgages available
  • One-time closing 
  • Interest reserve payment option available 
  • No prepayment penalty 
  • Loans up to $4,000,000 for owner-occupants

Main Office (Sidney)

733 Fair Rd.
Sidney, Ohio 45365

Lebanon Branch

901 N Broadway
Lebanon, Ohio 45036

Mason Branch

7588 Central Parke Blvd Suite 314
Mason, Ohio 45040


Phone: 800-736-8485
Fax: 937-497-9020
Email: Trose@westernohiomortgage.com
NMLS: 9601
We are licensed in the following states: Ohio: MB-801814.000, Indiana: 15536, Florida: MLD154, Kentucky: MB72955;