Build Your Dream Home with Confidence

At The Equitable Bank, we make building your dream home simple, affordable, and stress-free with our single-closing construction financing. With this streamlined process, your loan is approved and closed before construction begins, ensuring a smooth experience from start to finish.

When you choose The Equitable Bank, you get personalized support from experienced loan officers who understand the unique challenges of construction financing. Our team is here to guide you through every step of the process—helping you turn your vision into reality.

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Featured Fixed Construction Rate

6.250% Rate    6.315% APR

30 Year Fixed Rate as of 01/27/2026*

Additional programs are available.

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.