Do you need financing for a newly constructed home? Raymond Leija  Mortgage’s Construction-to-Permanent loan program makes it quick and easy. We’ll save you delays, hassles and expense on the financing end. One hurdle if you’re trying to get a home built is the fact that you can’t use a conventional, long-term mortgage to buy an empty lot or an incomplete home. And the financial burden of paying for an entire home with a short-term loan is more than most people can deal with.