Couple discussing new home construction outside of framed home.

Construction Loans

Build your dream home with confidence.

Building your home is one of the most important decisions you'll ever make. Our team of experts will be right there with you every step of the way.
 
 

Ready to build? We're ready to help.

 
Our expert Mortgage Lenders will help make building your new home easier, more predictable and stress-free. Every home is different so we offer flexible financing solutions tailored to fit your timeline, budget and goals. Whether you're building your first home or your forever home, our residential construction loans offer local decision-making, competitive rates, and personal service every step of the way.
  • Extended Rate Lock Options
  • Responsive service
  • Quick and easy approval process
  • Quick turnaround time on monthly draws
  • Trusted local relationships
  • Customized lending solutions


Interest-Only During Construction

Keep costs manageable during your build with interest-only payments until completion.

Local Decisions and Fast Approvals

All decisions are made locally, giving you faster turnaround times and personalized support. We tailor financing to fit your timeline, budget, and contractor mile.

Efficient Draw Process

We’ll typically process draws within 24 hours, helping to eliminate delays and keep subcontractors happy.










Ready to Get Started?

Let’s talk about your plans. Our lending team is here to help. Connect with a Loan Officer.















Jim Essay
Jim Essay
VP/Business Lending Solutions
NMLS# 1295990
 
402-434-2208
8310 O Street
Lincoln, NE 68510
Dillon Miller
Dillon Miller
Portfolio Mortgage Loan Originator
NMLS #1175706
 
402-434-2286
8310 O Street
Lincoln, NE 68510
Tyler Rains
Tyler Rains
VP/Portfolio Mortgage Loan Officer
NMLS #831907
 
402-434-2257
8310 O Street
Lincoln, NE 68510



























Frequently Asked Questions

 
  • How do construction loans work?

You borrow funds in stages as construction progresses. Interest-only payments are made during construction, and then the loan may convert to a mortgage.

  • Do I need a builder contract?

Yes. A signed contract with a licensed builder is typically required along with detailed plans and cost estimates

  • Can I use my land as equity?

Yes. If you already own the land, it may be used as equity toward your construction loan.