If you are building a new home (Construction-to-Perm) or planning on remodeling your home - be it a kitchen, bathroom or backyard - you can contact one of our mortgage professionals who will help find the right loan for you.

Some features to keep in mind regarding Construction Loans:

70% LTV with no requalification required post-construction
90% LTV option with requalification required post-construction
Loan amounts up to $453,100, or more in high balance areas
Rate can be locked at any time during the loan application/process
Simple and flexible draw process with no set schedules
Pay just interest-only payments during construction
Consolidate construction and purchase for only one set of closing costs and fees
Loan types and terms:
- 15-year conventional
- 30-year conventional
Eligible properties include:
- 1-unit site-built homes
- Planned Unit Developments (PUDs)
- Modular homes
- Site condominiums
- Rural properties

Some features to keep in mind regarding Remodeling Project Loans:

Project examples include:
- Remodel a kitchen or bath
- Add a family room or extra bedroom
- Make needed electrical or plumbing repairs
- Replace a leaky roof
- Make energy or conservation improvements
- Repair a decaying foundation
- Move a home to another site and remodel it
- Convert a one-family home into a two family home
- Improve handicap access
Eligible properties include:
- One to four unit family dwellings
- Owner occupied
- Minimum of $5,000 in permanent non-cosmetic repairs must be done to qualify
- Property or foundation must have been in existence for at least one year