605.334.2471 800.568.5711
Online Banking

You can build it.

We will help.


If you are planning to build a custom home from the ground up, we are here to help.  Plus, you can't beat our very low interest rates!

A Construction Mortgage is a loan borrowed to finance the construction of a home and typically only interest is paid during the construction period.  Once the construction is over, the loan amount becomes due and it becomes a normal mortgage.  The money is advanced incrementally during construction, as construction progresses.

With this type of loan you can benefit from:

  • Great rates
  • As low as $0 down required
  • Upfront underwriting on permanent financing - no surprises
  • Construction to permanent financing all under one roof

New Construction Loans with No Down Payment*!

Now is the time to make that new home a reality.

You've been dreaming about it.  Now is the time to pinch yourself because it's about to become real.

With rates as low as 2.99% APR and possibility of no down payment, you'll want to break ground tomorrow.

*Annual Percentage Rate.  Terms and conditions apply.  No down payment dependent upon permanent financing.


Determine a mortgage payment you are comfortable with, and more!

Our Mortgage Calculators can help you determine what fits your budget, when it pays to refinance, or what converting to bi-weekly payments will save you.