Construction Loans

Residential Construction

When you build a new home, you’re helping build our community. We want to make financing your construction project as simple as possible. We offer loan programs fit for every home and borrowers’ needs, and our experienced team members will help guide you through every step of the process.


Construction Loan Program

Our loan program is designed to give you ample time to build your home. All residential construction loans are interest-only up to 12 months. And if you finish building in that time, you can refinance your loan early.

Once construction is complete we offer a wide range of financing options on your end loan — including fixed rate and balloon financing options. We also offer extended rate locks* with buy-down options.

Best of all, you will be working with our loan experts who will work towards meeting your goals and needs.


Apply Today! Upload Your Documents with a Single Click.

When you work with our lenders, you’ll have a user-friendly digital platform to easily upload all necessary documents. Receive prompts and reminders from your lender, it’s both easy and secure.

Apply today with Jo Ann Bohnenstiehl
Apply today with Tom Reay
Apply today with Dawn Carter


What you’ll Need for Your Loan Application

  • Driver’s license or photo identification
  • Current three months bank statements
  • Current 401(k) or IRA statement (if applicable)
  • Last two years’ W2s
  • Purchase agreement or deed to property
  • Legal description for property
  • Survey of property (if applicable)
  • Contract with builder
  • Plans and cost breakdown
  • Self-Employed Borrowers: Bring past two years’ business and personal tax returns

All loans are subject to credit approval. * Extended rate locks require an upfront deposit. Fees vary depending on the program.