Construction Loans
Build Your Dream Home with a Construction Loan in Michigan
Building a home is exciting — but it can also feel overwhelming if you don’t have the right team guiding you.
At JPAL Mortgage, we make construction financing simple, clear, and personal. Whether you're building your first home or your forever home, we’ll walk with you through every step.
Start your prequalification today and see what you can build.
A Personal Connection to Home Building
Construction loans aren’t just another product to us — they’re personal.
One of JPAL Mortgage’s partners, Jeremy Prins, grew up in a family of builders. His dad was a home builder for decades, and Jeremy spent his childhood moving into a new home every couple of years as projects were completed.
He didn’t just watch from the sidelines either — Jeremy worked alongside his dad through high school and college, helping build homes from the ground up.
That experience gives our team a different perspective:
- We understand the timeline pressures builders face
- We know how draws and inspections actually work in real life
- We can anticipate issues before they become problems
You’re not just getting a mortgage — you’re getting guidance from someone who’s lived it.
How Construction Loans Work (Simple Breakdown)
- Prequalification
We review your income, credit, and goals to determine your budget. - Plans & Builder Approval
Your builder, plans, and specs are reviewed before final approval. - Close on Your Loan
You’ll close before construction begins. - Draw Process During Construction
Funds are released in phases as work is completed. - Loan Converts to Permanent Financing
Once the home is finished, your loan transitions into a standard mortgage.
Why Build with JPAL Mortgage?
- Real Construction Experience — we've grown up in a builder household, built houses, purchased new builds, and financed them!
- Michigan-Based Expertise — We've worked with builders, large and small.
- Hands-On Guidance — We stay involved from start to finish
- Clear Communication — check out our Google reviews! Real stories of Michiganders who have worked with JPAL Mortgage to purchase a home. They tell the whole story!
We'd love to hear from you!
What happens when you reach out to us:
JPAL Mortgage LLC
4120 Chicago Dr. SW Suite 3
Grandville, MI 49418
616-465-5725
Common Questions About Construction Loans
How much do I need for a down payment?
Most construction loans require anywhere from 5% to 20% down, depending on the program. If you already own your land, that equity can often be used toward your down payment.
Can I lock my interest rate?
Some programs allow you to lock your rate upfront, while others let you float during construction and lock later. We’ll help you choose what makes the most sense.
Do I need a licensed builder?
Yes — most programs require a licensed, approved builder. We’ll help guide you through that process if needed.
Is the process harder than a regular mortgage?
There are more moving parts, but with the right team, it doesn’t have to feel complicated. That’s where we come in.
What Do Your Neighbors Say About JPAL Mortgage?
Justine L.
★★★★★
"Jeremy helped us with the purchase of our very first home. He was extremely helpful throughout the entire process. He answered every question we had - big or small - as if it was the most important thing he could be doing in that moment. He made us feel very cared for and was extremely efficient at giving us updates along the way. Do not question your choice to work with Jeremy! We are so glad we did."
Brandon J.
★★★★★
"Adam Leavesley was referred to me by a trusted friend, and he came in clutch with the right advice and help to make getting approved, getting the loan and purchasing this home all possible in a very short period of time. During the whole process I felt comfortable and secure knowing that there was a great team helping my family out in a real time of need. That meant the world! Thanks to everyone at JPAL, Peace and Love."
Ben C.
★★★★★
"Great service and rate! Adam "quarterbacked" the home loan process for my family. He is friendly and did a great job educating us, finding solutions, and following up to make sure everything was on schedule through closing. We couldn't have been happier about the experience with JPAL."
Jason H.
★★★★★
"Adam and Jeremy with JPAL mortgage are top notch when it comes to looking for a mortgage from a broker. From their professionalism, friendly demeanor, willingness to educate and offer solutions to their desire to get their clients the best most cost effective loan, the team at JPAL go above and beyond and exceed expectations. I had a tight window to close after changing lenders with a purchase out of state and Adam and team jumped right in, found me a better loan than I originally had and got me approved in 10 days. Always available and great communication, both Adam and Jeremy were always available for my concerns. Amazingly I don’t think I ever talked to a voice mail. JPAL exceeded all expectations. If your looking for a home loan, go with the best of the best and reach out to JPAL, you will not be disappointed and will get top notch service."
Dustin H.
★★★★★
"JPAL is absolutely fantastic! I've worked with Jeremy on multiple mortgages and he always impresses and delivers! What Jeremy and Adam are building at JPAL is excellent for all homeowners. I very highly recommend JPAL!!"
Cody B.
★★★★★
"We just finished refinancing our house with Adam Leavesley, it was extremely easy and everyone was very friendly. We were referred to Adam by a friend and he certainly did not disappoint. Ask for him by name and you will be taken care of. Not to mention we are saving a ton of money each month! Wins all around!"
Michael S.
★★★★★
"JPAL Mortgage was the most wonderful experience we have ever had in purchasing a home! They constantly kept us apprised of the progress in securing the loan and working a miracle in closing on our home in a 2 week time period. Jeremy Pins especially, was a joy to work with. Nothing was impossible for him to accomplish. Jeremy's knowledge, experience, guidance, and advice on the direction we should consider in a very difficult financial climate was absolutely amazing! If/when we plan to purchase another property, JPAL will be the only company we will consider. We will recommend to anyone in the market to purchase property, JPAL are true 'miracle workers'!"
Justin A.
★★★★★
"Adam is AMAZING! The “ old style” service was fantastic! Adam’s enthusiasm is infectious, and the genuineness is evident. Adam made our mortgage/finance experience incredibly easy and fast. Adam will help you every step of the process with extreme detail along with his expertise will ensure you will get the best results with someone you can trust, like Adam."
Tim W.
★★★★★
"Jeremy assisted us with navigating the mortgage process for our move from out of state. He was responsive and attentive to our needs. He even worked on our mortgage with us while we were out of the country for a family emergency. When we were able to locate a home, we closed in record time. Responsive, attentive and efficient. Jeremy was great to work with!"