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Save time and money with a One-Time Close

What makes a One-Time Close right for you? You’re not just buying—you’re BUILDING. And you’re looking to get a deal whenever possible—without cutting corners, of course. A one-time close lets you lock in a low rate for construction, then carries it over for your mortgage loan. So if the market changes and rates go up, you don’t have to worry.


  • Only one closing – That means only one set of closing paperwork and costs (and we even help you out there…)
  • Save up to $5,000 on closing costs1 – We’ll cover you up to $5,000
  • Lock in at low rate during building – Whether construction takes longer than expected or the market changes, you don't have to worry about your rate going up
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One-Time Close Loan Rates
Product Points APR Rate as low as... Payment example
1XClose 30 YR Fixed * 0% 5.623% 5.500% $776.98
1XClose 20 YR Fixed * 0% 5.419% 5.250% $936.91
1XClose 15 YR Fixed * 0% 4.962% 4.750% $1101.69
1) The program offer to save up to $5,000 in select closing costs does not include mortgage insurance, seller paid closing costs, origination fee, discount points or pre-paids and reserves. It is not valid for FHA and VA loans. Closing costs may vary based on transaction. If loan is closed or paid off within first 36 months of the term, member may be required to reimburse all or some of the closing costs incurred.
* Based on a $135,000 Loan Amount with a 80% LTV and FICO>=740. Payment examples do not include taxes; actual payment may be greater.


Security Service NMLS #458903 Membership eligibility required. Loan subject to credit approval. Financing available for properties in Texas, Colorado or Utah. Minimum loan amounts may apply. Rates subject to change. 


† APR = Annual Percentage Rate. The APR is accurate as of 5/9/22.
◊ Image is for illustrative purposes only. Not an actual member.