Ready to build your own home? Go from ground breaking to house warming in no time with our flexible construction loans.

Key Features

  • Competitive Rates
  • Local Processing
  • Quick Decisions
  • Competitive rates for your home construction project
  • Available for primary residence or second home construction
  • Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
  • Pay off interest quicker; payments are interest-only during construction phase
  • Payments are made on the amount drawn on your loan sufficient to pay your builder
  • Construction draws applied in stages based on work completed
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

5 Year Balloon Option

  • 20% down payment
  • Payments begin with principal and interest payments
  • Low closing costs
  • Earn interest on the construction funds being held

Two Phase Option

  • 20% down payment
  • Competitive interest rates and closing costs
  • Flexible draw schedule
  • Lower payments during construction
  • Phase One – construction
    • 12-month construction period
    • Interest only payments on the amount disbursed each month
  • Phase Two – final mortgage
    • Fixed or Balloon Mortgage
    • Maximum 30-year amortization
    • Escrow available for taxes and insurance
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