Sometimes the best way to get your dream home is to build it. We can help with affordable financing.

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing

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We offer financing throughout the construction process which rolls into a permanent mortgage once your home is complete.

  • Competitive fixed rate mortgages and adjustable rate mortgages (ARM) offered1
  • All-in-one construction loan
  • Up to 95% financing on stick-built homes built on-site
  • No land seasoning requirements for previous land ownership
  • Available for primary residence construction
  • Construction draws are applied in stages, based on work completed, in order to pay your builder
  • Helpful Mortgage Loan Originators to make the process quick and easy

Ask a Family Trust Mortgage Loan Originator about major renovation projects that may also qualify for financing.

We offer up to 80% financing for eligible Land and Lot loans2. Fixed and adjustable rate terms available. We pride ourselves on having very competitive land rates.

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1. To apply for a Construction Loan, you must be 18. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Rates and terms may vary depending on collateral, loan to value and is subject to change. If adjustable rate mortgage is chosen after construction phase, rates are subject to increase after the initial fixed rate period. Property insurance is required, and flood insurance is required where applicable. Closing costs such as attorney fees, insurance premiums, property taxes and appraisal fees may apply.  

2. To apply for a Lot or Land Loan, you must be 18 and have a credit score of at least 660. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Rates and terms may vary depending on the collateral, loan to value and mortgage loan product. Maximum loan-to-value is 80%. Property insurance is required, and flood insurance is required where applicable. Closing costs such as attorney fees, insurance premiums, property taxes and appraisal fees may apply.

The SAFE Act requires a mortgage loan originator to register with the Nationwide Mortgage Licensing System and Registry and provide their Mortgage Loan Originator Identifier number to a consumer when engaging in a mortgage loan transaction. You may obtain information about the Mortgage Loan Originator by accessing the Nationwide Mortgage Licensing System and Registry.

NMLS Identifier Number: 493819

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