Customized loans for your custom home.


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Tailored Financing Solutions:

We understand that every construction project is unique, and that's why we offer tailored financing solutions to accomplish your building project. Our experienced loan officers will work closely with you to understand your project goals and customize a loan package that fits your budget and timeline.

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Competitive Interest Rates

Building a home is a significant investment, and we strive to provide you with competitive interest rates to make your construction loan affordable. Our lending team will guide you through the loan terms and help you choose the option that best suits your financial situation, ensuring that your dream home doesn't come with a hefty financial burden.

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Streamlined Application Process:

We believe in making the loan application process as smooth and hassle-free as possible. Our dedicated team will guide you through each step of the application process, ensuring a seamless experience from start to finish. We value your time and aim to provide quick approval, so you can begin your construction project without delay.

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Flexible Draw Schedule:

We offer a flexible draw schedule that allows you to access funds at various stages of construction. This ensures that you have the necessary funds available when you need them most, enabling you to stay on track with your project timeline and avoid unnecessary delays.

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Experienced Support:

Our team of experts has extensive knowledge and experience in construction financing. We are here to support you throughout the entire construction process, from initial planning to project completion. Whether you have questions about budgeting, construction timelines, or loan management, our lending team is always available to provide guidance and assistance.

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Seamless Transition to Permanent Financing:

Once your home construction is complete, we offer a smooth transition to permanent financing. We can help you explore long-term mortgage options that fit your financial goals, simplifying the process of converting your construction loan into a permanent mortgage.

Contact a lender today to learn more about our home construction loans and take the first step towards turning your dream home into a reality!

Bill Kedinger

Bill Kedinger


Meet Bill

Karen Duch

Karen Duch

Vice President -

Lending Officer

Meet Karen

Jenni Badtke

Jenni Badtke


Meet Jenni

Eric Hopfensperger

Eric Hopfensperger

Assistant Vice President - Mortgage Lending

Meet Eric

Construction Loan FAQs

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How does a construction loan work?

Construction loans provide financing during the construction phase of your new build. This loan is advanced in phases as the builder requests funds.  Payments are based on the amount advanced and the required monthly payment is only the interest on the monthly balance.

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Do I need to lock in my financing before choosing a builder?

No, but it’s usually best to work with your builder and your lender at the same time so all parties are aware of an affordable price range for your project. Your builder can then adjust building plans based on your budget.

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Can I roll my lot loan into my construction loan?

Yes, any remaining balance on your lot loan will be the initial advance on the construction loan and will require interest-only payments during the building process.

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How do I determine an affordable budget for my construction project?

It’s a good idea to speak to a lender early in the planning process to get an idea of what price range will be affordable, to know what funds will be needed out of pocket and to get answers to any questions.

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What are the interest rates and terms for a construction loan?

Your rate is locked in for 9 months. Please contact us for current construction loan rates.

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How do I make payments during the construction phase?

Payments can be made the same as any loan with us, in person, online or with an ACH transfer. A monthly notice will be sent to you showing the interest-only amount due.

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Can I use a construction loan for major renovations on an existing property?

Yes, we have options to finance renovations to your existing home. It’s a good idea to speak with a lender to see what financing options are available for your specific project.

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What types of fees are associated with a construction loan?

Standard loans fees will apply like appraisal, credit report, administrative fees, lender title policy and recording. There may be additional title charges for construction draws and an increase to the cost of the owners’ title policy that may apply.  Some fees can vary based on the amount financed.

Get started with your construction loan.

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