Home Loans / Construction Loans

Construction Loans

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We offer several options to help you build your dream home: 

A conventional construction loan features interest only during the construction period. Upon completion of the home, the balance is refinanced with a mortgage loan.

Or a construction-to-permanent loan features a short-term construction loan that automatically converts into a permanent mortgage loan when your home is completed.

Summary
  • Competitively low rates for your home construction project

  • Available for primary residence or second home construction

  • Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage

  • Pay off interest quicker; payments are interest-only during construction phase

  • Payments are made on the amount drawn on your loan sufficient to pay your builder

  • Construction draws applied in stages based on work completed
  • Local decision-making in the Harbor Country area
  • Attentive, personalized service from start to finish

Your dream home awaits...

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