Residential Construction Loans

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 6.375% | 7.605% 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.

Ryan Venz
Ryan Venz VP, Real Estate Lending Officer NMLS ID: 1633623 Location: Charles City 641-257-5052 Email Me
Apply Online Visit Ryan's Lender Page
Gene Rosenbaum
Gene Rosenbaum VP, Lending Officer NMLS ID: 401695 Location: Clarion & Kanawha 641-494-5822 Email Me
Apply Online Visit Gene's Lender Page
Kelly Rush
Kelly Rush VP, Real Estate Lending Officer NMLS ID: 401697 Location: Mason City West 641-380-3326 Email Me
Apply Online Visit Kelly's Lender Page
Adrian Hackman
Adrian (Abe) Hackman AVP, Real Estate Lending Officer NMLS ID: 400193 Location: Mason City West 641-380-3347 Email Me
Apply Online Visit Adrian's Lender Page
Jill Fibikar
Jill Fibikar AVP, Retail Supervisor NMLS ID: 2587805 Location: New Hampton 641-494-5863 Email Me
Apply Online Visit Jill's Lender Page
Trever Olsen
Trever Olsen VP, Senior Lending Officer NMLS ID: 1314367 Location: Osage 641-494-5872 Email Me
Apply Online Visit Trever's Lender Page
Elizabeth Brandt
Elizabeth (Beth) Brandt AVP, Lending Officer NMLS ID: 1253808 Location: Mora, MN 320-209-6403 Email Me
Apply Online Visit Elizabeth's Lender Page
Paul Gilbertson
Paul Gilbertson AVP, Lending Officer NMLS ID: 2401235 Location: Mora, MN 320-209-6424 Email Me
Apply Online Visit Paul's Lender Page

Benefits of Working With Us

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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.

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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.
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