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Business Banking

Construction Loans

We will work with you from start to finish. From acquiring your site and beginning the construction phase to completing your home, we will be with you every step of the way.

Construction Loan Checklist

Construction Loan Checklist Items
Construction Loan Items
  • Detailed and accurate building plans
  • Builders cost breakdown
  • Executed building contract
  • Copy of deed, if lot is titled to borrower
  • Purchasing agreement if borrower is purchasing lot in conjunction with the construction loan.
  • Map or drawing of lot location
All Applicants
  • Real estate loan application (we will provide)
  • Income, Assets and Liability information
  • 2 current pay stubs
  • 2 years income tax returns with W-2s
  • Credit report fee
At a Later Date
  • Legal description of property
  • Survey
  • Appraisal
  • Title work
If Self Employed
  • Last 3 years of business income tax returns
  • Last 3 year-end financial statements
  • Last 3 years personal income tax returns
When Applying For a Permanent Mortgage After Your Construction Loan is Complete
  • A copy of the occupancy permit
  • Final affidavit from general contractor
  • Written instructions regarding disbursement of any remaining construction funds
  • Final inspection report
  • Hazard insurance policy

First eMortgage - Apply Online

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All offers of credit are subject to credit approval.


Mortgage Loan Assistance

Mortgage Loan Calculators

Employee NMLS ID Numbers