Fixed Rate
Perfect for purchasing your dream home.
Fixed Rate 30 Year
Construction Loan1
as Low as
Rate 6.500%
0.000% POINTS
Construction Loans
Affordable rates and timely financing.
You have a floor plan in mind. You know exactly what features you want in every room. And you have a contractor ready to make it all happen. We can provide the financing that helps make dream homes come true. Our team of expert lenders and administrators is here to ensure your construction loan process is as smooth as possible.
Check out our rates
Mortgage Payment Calculator2
Construction Loan Options
New Construction
- Single family owner occupied homes
- Up to 80% loan-to-value
- May include the purchase of the lot
- "All-in-one loan" that includes the construction costs as well as the transition to a permanent mortgage in just one close
Lot Loans
- Purchase now and build later
- Up to 80% loan-to-value
- City lots must have utilities available
- Rural lots must meet county requirements for a legal building site and have water available or an established well
Single Close Construction Loans on New Manufactured Homes
- Stick built or manufactured, we're here to get you the keys to your new home. Our expert lending team is here to provide you with affordable and timely financing to purchase your home.
Shop-Living Quarters Construction
Shome, Shouse, or Barndominium, we've got you covered. 
Our affordable financing can help you make your dreams a reality.
- Up to 80% loan-to-value
- Primary residences
- Must meet your local building authority approval for occupancy
Your guide to the mortgage process.
It can be hard to know where to start. Check out our Home Buyer's Guide to get the insight you need to start on the right path.
disclosures
Rates Section 1 Rate 1 Disclosure
Rates Section 1 Rate 2 Disclosure
Rates Section 1 Rate 3 Disclosure
Rates Section 1 Rate 4 Disclosure
Rates Section 2 Rate 1 Disclosure
Rates Section 2 Rate 2 Disclosure
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Rates Section 2 Rate 4 Disclosure
APR = Annual Percentage Rate. These rate offers are effective 08/22/2025 and subject to change. Rates displayed are the "as low as" rates for One-Close Construction. Rates are based on creditworthiness, loan-to-value (LTV), occupancy, and loan purpose, so your rate and terms may differ. All loans subject to credit approval. Rates are subject to change without notice.
1 The information provided assumes the purpose of the loan is for new construction, is located in Idaho, and is within Nez Perce County. The property is valued at $500,000 and will be used as a primary residence. An escrow (impound) account will not be established in this scenario. Payment examples below are based off a down payment of 20%. The rate lock period is 45 days and the assumed credit score is 780 or greater. 12 months interest only payments during construction followed by fully amortized P&I payments for 30 years. Interest on the amount of credit outstanding during the construction period will be paid monthly.
A One-Close Construction fixed rate loan for $400,000 for 30 years at 6.50% interest rate and 6.679% APR will have an estimated monthly interest only payment of $1086.30 based on $200,000 advanced, for payment number 1-12, and an estimated monthly payment of $2528.27 for payment number 13-360.
Taxes and insurance not included therefore; the actual payment obligation will be greater. All loans subject to credit approval.
2 Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy regarding your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.