Interim Construction Loans

An interim construction loan is a short-term financing solution designed to support the building of a residential property. Unlike a traditional mortgage, which provides funds for a completed home, an interim construction loan releases funds in stages—aligned with the progress of the construction. These funds typically cover costs such as materials, labor, permits, and other expenses directly tied to the building process.

To ensure a smooth transition from construction to long-term financing, our mortgage department works closely with borrowers to provide a take-out letter—a formal commitment for permanent financing once the home is complete. This gives borrowers peace of mind and a clear path forward, knowing their permanent mortgage is already in place before construction begins.

Throughout the construction phase, we also partner with contractors and builders to monitor progress and help ensure the project stays on schedule and within budget. This collaborative approach allows us to support both the borrower and the builder, making the entire process more efficient and reliable. By offering interim construction loans, we’re proud to help families build their dream homes and contribute to the growth and vitality of the communities we serve.

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