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Construction Loans

You dream it, we’ll help you build it.

With a Dart Bank Construction Loan, you can finance the lot purchase, construction, and permanent mortgage with a single loan.

Benefits of a Construction Loan:

  • 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.
  • No re-qualification once construction is complete for well qualified borrowers.
  • One closing to reduce total costs.
  • Large balance construction loan options also available.

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Meet Our Mortgage Bankers

Jumbo Construction Combo Loan

  • Manage finances with loan flexibility and avoid private mortgage insurance.
  • Finance high value properties at competitive interest rates, potentially offering interest savings.
  • Ability to reduce overall mortgage debt, when selling a current home following the construction of a new home.
  • Easy application process and personalized service ensure a smooth experience from application to closing.
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Float Down Benefits

  • At time of application, lock in your interest rate at current market pricing.
  • Interest only monthly payments during construction, based on amount drawn on the loan.
  • Upon your home’s completion, the construction loan will modify to your permanent loan.
  • With a modification, you won’t pay closing costs again.
  • You have the option to pay down the principal balance and have your payments amortized based on the new loan amount.
  • For qualifying borrowers, we offer a FREE one-time interest rate float down if current market rates are lower at the time of modification.
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Information is subject to change without notice.  This is not an offer for extension of credit or a commitment to lend.
Terms and conditions do apply. For additional information contact one of our Mortgage Bankers.

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