Construction, Lot, & Renovation

Build your dream home, purchase a lot, or renovate your home. Explore the benefits of these unique loan programs below!

Construction

  • Fixed interest rate with the option to lock in at time of loan application.
  • If rates are lower at time of home completion, you get the lower rate, at no cost!
  • Interest-only payments on disbursed amounts during the construction period.
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Lot Loan

  • Buy property with the goal of building later.
  • 30-year amortization.
  • Competitive interest rates.
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CHARM Renovation Loan

  • Finance almost all of your renovation project!
  • Obtain renovation funds for the ‘after-completion’ appraised value of the home.
  • Funds for improvements are placed into an escrow account for disbursement as needed.
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