North Carolina · Triad
Greensboro, NC construction loans
Greensboro · High Point · Jamestown · Summerfield · Oak Ridge · Pleasant Garden · McLeansville
Many Triad buyers build on land just outside the city, with a home from a local dealer or builder. We finance the land, the build, and your permanent mortgage in one loan, and we start with a conversation, not an application.
Building in the Greensboro area
Greensboro anchors the Piedmont Triad, with a mix of healthcare, university, and manufacturing jobs. Many of the buyers we talk with keep a job in the city and build on land in Guilford County or neighboring Rockingham, Randolph, and Alamance counties.
Their homes are often manufactured or modular homes on land they own, or modest site-built homes on a rural or suburban lot.
Greensboro at a glance
- County
- Guilford County
- Nearby towns
- High Point, Jamestown, Summerfield, Oak Ridge, Pleasant Garden, and McLeansville
- Major employers
- Cone Health, UNC Greensboro, NC A&T State University, and area manufacturers
- Our team
- Johnson City, TN, by phone, video, and email
What to check first when you build here
Who issues your building permit
Inside Greensboro city limits, the City of Greensboro handles permits. Outside the city, Guilford County does, and towns like Summerfield and Oak Ridge have their own planning rules. Confirming your lot's jurisdiction is step one.
Septic and wells
In North Carolina, the county health department acts for the state on septic systems. It issues an Improvement Permit and a Construction Authorization, and the county can't issue your building permit without that Construction Authorization. You can also hire a private Authorized On-Site Wastewater Evaluator.
Budget for the land, not just the house
Wells, driveways, and grading are where builds most often go over budget. We build those costs into your loan from the start. The cost planner gives you an early estimate of the full project.
Local builders and retailers
Builders and home retailers near Greensboro
Working with a builder or retailer in Greensboro, High Point, Jamestown, Summerfield, Oak Ridge, Pleasant Garden, or McLeansville? Tell us who you're considering, and we'll check their approval early.
Build on your land
America's Home Place (opens in a new tab)
Manufactured and modular homes
- Clayton Homes (opens in a new tab)Greensboro
Also nearby: Clayton Homes (opens in a new tab) (Burlington), Oakwood Homes (opens in a new tab) (Burlington), Clayton Homes (opens in a new tab) (Reidsville), Clayton Homes (opens in a new tab) (Asheboro), Clayton Homes (opens in a new tab) (Lexington).
Builder or retailer serving the Greensboro area? We'd love to hear from you. Email us and we'll be in touch.
Listings are provided for convenience. Preferred Rate, a DBA of American Pacific Mortgage, is not affiliated with, and does not endorse, the builders and retailers listed. All loans are subject to credit approval and underwriting; this is not a commitment to lend.
Construction loan programs in Greensboro
We offer VA, FHA, and conventional one-time close construction loans, so your land, construction, and permanent mortgage are covered by one loan with one closing.
- VA construction for veterans and active duty
- FHA construction when you're building with a smaller down payment
- Conventional construction when you have strong credit and a down payment
2026 loan limits in Guilford County (one-unit home)
Limits are set each January by HUD and the FHFA. Your actual loan amount depends on your qualifications and the appraised value.
FAQ
Frequently asked questions
Can I get a construction loan here if your office is in Johnson City?
Yes. We work across six Southeast states, and most of our clients work with us entirely by phone, video, and email.
Does Greensboro or Guilford County issue my building permit?
It depends on whether your lot is inside city limits. Inside the city, Greensboro issues permits. Outside the city, Guilford County does.
Is VA construction available in Guilford County?
Yes. Eligible veterans and active duty can use a VA one-time close construction loan in Guilford County and across North Carolina. See VA construction loans.
Can you finance a manufactured home on land I own here?
Yes. When the home sits on a permanent foundation and is titled as real property together with land you own or are buying, it can be financed with a one-time close construction loan. Homes on rented land are financed differently.
Your land. Your build. Let's talk it through.
A free consultation is 20 minutes. We cover your land, your eligibility, and the right loan structure. No application required.
Tennessee · Virginia · North Carolina · South Carolina · Georgia · Kentucky
20 minutes · no application · no commitment
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