Our Mason City State Street location is NOW OPEN!
The construction is complete. Come check it out!
Build Your New Home
Wanting to build a new home is exciting but can be nerve racking as well. Building a home begins with a strong financial foundation by getting a residential construction loan with us. Our experienced lenders will help you through the process.
Rates as LOW as 6.125% and 7.234% APR*
What is a residential construction loan?
A construction loan is a special loan used to finance the costs of the construction of a home. Loan proceeds are advanced and disbursed as needed to pay for the expenses as they are incurred with accompanying processes to ensure that at the end of the construction phase, you are ready to put into permanent financing.
Contact Our Home Loan Officers
Apply online with a lender below. If you are unsure which lender to select, fill out the general application and we will assign a lender for you.
Benefits of Working With Us
Free Pre-Approvals
We offer free pre-approvals because knowing what you can afford is a great first step for buying or building a home.
Customer Service
We provide personal assistance to help you through the home loan process and answer any questions you may have.
How does the pre-approval process work?
To get started:
- Contact or apply online with one our our Home Loan Officers.
- Income Verification: Pay stubs for 30 days and two years of W2’s or if self-employed, two years of federal tax returns.
- Asset Verification: Recent monthly statements from accounts with funds in them that could be used for a purchase.
Next Steps:
- Your lender will then pull credit, check ratios, and determine the best loan option for you.
- Buying a Home: Provide a copy of the purchase agreement.
- Building a Home: Provide a copy of blueprints and costs.