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Lot Loans & Construction Financing


Build Your Dream Home with Confidence

Whether you are selecting the perfect lot, building a new home, or both, SouthStar Bank can provide the financing you need to get started.

Lot loans: Buy the lot now and begin payments before starting construction

  • Take time to plan construction, save money, or find a builder

Construction loans: Funding needed for the build

  • Short-term loans funded in periodic advances
  • Use land as equity for financing construction
  • Allows borrower to pay off existing land loan
  • Available for builder-owned lots (turn-key homes), semi-custom and custom homes

Construction-to-permanent loans: From lot purchase to completion of the construction in a single loan, transition easily from one to the other by planning ahead

  • Lock-in interest rates
  • ‘Construction period’ provides lower interest rates and lower monthly payments
  • One-time close saves time and money
  • Converts to long-term permanent financing when construction is complete

*Loans, lines of credit, and credit cards are subject to credit approval. Other fees and restrictions may apply. SouthStar Bank is an Equal Housing Lender. NMLS #410624.

Talk to A Loan Expert

Please complete the form below and one of our mortgage lenders will be in touch. For immediate assistance during business hours, please call or visit your nearest branch.