Construction Loans

Build the Home You’ve Always Dreamed Of

Financing Your Future

A construction loan throu provide up to 85% Loan-to-Value (LTV) for contractor-led projects or 80% LTV for self-builds. With fixed rates for 12 months and no restrictions on draw frequency, you’ll have the flexibility to access funds as your project progresses and pay only for what you use.

Contractor-Led Projects: Borrow up to 85% LTV with a fixed interest rate of 7.45% APR for 12 months.

Self-Build Projects: Borrow up to 80% LTV with a fixed interest rate of 8.05% APR for 12 months.

Plus, you’ll enjoy access to daily draws, easy payment options, and the homegrown support you expect from us.

Building your dream home is one of life’s biggest milestones. Our construction loans come with competitive rates, expert guidance, and a simple process, so you can focus on the exciting parts of bringing your vision to life.

*Scenario: If the proposed home and land together appraise for $450,000, we can loan you 80% of that to build and purchase/payoff land, meaning you would receive $360,000.

Getting Started

Apply

Submit your loan application along with details about your construction project.

Get Approved

We’ll review your application to ensure you meet our competitive LTV and under-writing requirements.

Start Drawing Funds

Access your loan funds as needed throughout the construction process.

Build Your Home

Use the funds to bring your project to life step by step.

Finish with Confidence

Complete your home and transition to permanent financing.

Let’s Build Something Great Together

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Frequently Asked Questions

Construction loan draws are funds you request from your loan during the building process. At closing, funds are distributed to cover the land and closing costs. The remaining loan amount becomes available as “draws” for construction-related expenses. The best part? You only pay interest on the amount you’ve drawn, not the full loan amount.

Policy Updates You Should Know

Updated LTV Maximums: To give you more flexibility, we’ve increased the LTV to 85% for contractor-led builds and 80% for self-builts.

Improved Risk Management for Self-Builds: A 20% verified down payment is required to reduce risks.

Reserve Documentation: For cost-plus contracts, you’ll need to provide two months of reserve documentation (e.g., bank or retirement statements) to verify funds for any overages.

Meet the Lending Team

Our lending team is here to tailor your loan to meet the exact needs of your poultry farm and will walk with you through the entire process.
You can feel confident knowing you’re receiving help from a team with decades of experience helping farmers like you.