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Construction Lending

Get a custom-built loan for your one-of-a-kind home.


From foundation to roof shingles, we've got you covered.

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 timely financing that helps make dream homes come true.

  • For construction of single-family, owner-occupied homes.
  • Short-term loan that covers building materials and labor.
  • Affordable rates and low closing costs.
  • Access to local loan professionals who can help you navigate all phases of the building process.
  • Easy transition to permanent mortgage.


Whether your contracting company is building one exceptional home or an entire subdivision, we can provide affordable financing for your project.

  • Financing for spec and custom pre-sold homes.
  • One-year maturity
  • Variable interest rate
  • Loan-to-value depends on whether the home is spec or pre-sold
Perfect location. Great yard. Incredible view. Whatever the attraction, you've found the perfect piece of property for your next home. Purchase it with our affordable financing.

  • Purchase a lot now and build later.
  • For financing new construction of owner-occupied residence.
  • Should be improved lots within the city limits with utilities.
  • If rural, the land must meet county requirements for a legal building site and have water available or a well.
  • Purpose of land must be for financing new construction of owner occupied residence.
  • Affordable fixed rates
  • Maximum loan-to-value 75%
  • Maximum term 15 years
Two loans work together to provide you with the nicest place possible. Finance your home purchase while also acquiring funding for repairs, alterations, or additions.

  • Consists of two separate loans - construction and long-term financing.
  • For single-family homes to be used as primary residence.
  • Maximum loan term of 30 years
  • Maximum loan-to-value 95%
Launch or expand a business while eliminating your commute. This loan allows borrowers to purchase land and build a shop, office, or retail location that includes living quarters.

  • Living quarters must be a primary residence.
  • Should be improved lots within the city limits with utilities.
  • If rural, the land must meet county requirements for a legal building site and have water available or a well.
  • Shop with living quarters must meet local building authority approval for occupancy.
  • Maximum loan term of 20 years
  • Maximum loan-to-value 80%
Enjoy the convenience of working and living at the same address. When you find the perfect home/business location, come to us for affordable financing.

  • Living quarters should serve as a primary residence.
  • Shop with living quarters must meet local building authority approval for occupancy.
  • Maximum loan term of 20 years
  • Maximum loan-to-value 80%















Contact Us

Ready to talk with one of our mortgage professionals? Start out by making a telephone or in person appointment with our mortgage services to get you moving in the right direction.