Construction loans from a bank that knows your builder.

Best for

• Building on a lot you own or are buying
• Major renovations and additions
• Custom homes with a licensed builder

One closing

Lock your permanent rate before the first shovel. During construction, funds are released in draws as work is inspected; you pay interest only on what's drawn. When the home is complete, the loan converts to a standard mortgage with no second application or closing.

Why local matters on a build

Change orders, weather delays, a builder who needs a draw a week early: a build has a dozen moments that need a decision. Ours happen in a phone call to our own office, not a queue at a national servicer. We've financed McHenry County homes for more than a century and Fox Valley homes from our Appleton office, and we know the builders and the townships.

Lot loans and renovation

We also finance lot purchases ahead of a build and renovation projects that add real value to an existing home.

Questions people ask

What do I need to get started?

A builder contract with a cost breakdown, plans and specs, your lot agreement or deed, the builder's license and insurance, and standard income documents.