Whether you're planning to build your dream home or just thinking about it, we can help.

We can answer your questions, and guide you through the loan process. We'll be with you every step of the way from framing your front door to turning the key. We can answer your questions and your builder's questions so that your project keeps moving smoothly from groundbreaking to housewarming. Our Construction-to-Permanent Loan is based on ordering an appraisal based on the future value of the home.

We may be able to lend you up to 90% of the future appraised value of a primary home, and up to 80% of the future appraised value for a spec home. The construction loan is based on the actual cost which can include the purchase of the land.

We can offer new construction loans on the following property types:

• Primary Homes
• Second Homes
• Modular Homes
• Spec. Homes for Builders
• Complete Rehabilitation

With one application, you get all the financing you need in two easy processes for your construction and permanent loans. All fees and points will be built into both mortgages. Depending on the project, we can finance your land and wrap your closing cost into your construction loan up front. Below you will find the list of items you will need to get your construction loan started.

• Plans and Specifications
• Plot Plan
• Proof of a Land contract or a Deed
• Proof the Land is build able from your local Building Inspector
• Title Commitment
• Homeowners Insurance
• Line item list of all cost to build your project

Terms of the construction loan are for 3 or 6 month periods. This loan program offers interest only (up to 5 draws) 30-year amortization.