Why Choose Our Construction Financing?
Seamless Financing from Start to Finish
One Loan, One Closing – Avoid multiple closings and excess paperwork. Our single-close loan keeps things simple by covering both construction and your permanent mortgage in one seamless transaction.
Fixed Interest Rate – Enjoy predictable payments while your home is being built, providing financial stability throughout the process.
Low Monthly Payments During Construction – Funds are disbursed in phases, and you’ll only make interest-only payments based on what has been drawn, keeping costs manageable.
Automatic Transition to a Conventional Loan – Once construction is complete, your loan smoothly converts into a traditional mortgage—no need to reapply.
Flexible Down Payment Options – Get started with as little as 5% down (up to 95% LTV of appraised value), making homebuilding more accessible.
Expert Guidance Every Step of the Way
Our dedicated loan officers are committed to timely closings, personalized service, and competitive financing options tailored to your needs. Whether you're working with a builder or managing the process yourself, we’ll provide the expertise and support you need to build with confidence.
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Today’s Featured Rates
*All payments are estimates and assume a $500,000 price and value with a $100,000 down payment and a $400,000 mortgage. Based on an Approximate Annual Percentage Rate (APR) of 7.799%, estimated payments during the projected 12-month construction phase are interest-only and calculated on the outstanding principal balance as funds are advanced. Using an estimated interest rate of 7.375%, monthly interest-only payments during construction are projected to be approximately $2,458.33, depending on the timing and amount of disbursements. After the construction phase, the loan is expected to convert to principal and interest payments of approximately $2,762.70 for the remaining 360-month amortization period. Payments do not include amounts for taxes or insurance premiums, and the actual payment obligation may be higher. The total loan term is expected to be 372 months (12-month construction phase followed by a 360-month amortized loan). Other rates and programs may be available. Rate accurate as of 09/22/2026. All rates subject to change without notice.