Construction Loans

If you’ve found the perfect floor plan for a custom-built home, our construction loan programs offer solutions to make your vision a reality.

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Two-Time Close Construction Loan

While your home is under construction, we monitor the progress and provide the funds to your builder. With a system of reliable and consistent disbursements in place, you’re more likely to see steady and efficient building progress. Once your home is complete, you’re able to convert the loan to a permanent mortgage with competitive rates and no origination fee.1

Key Takeaways

Transform your real estate deals with our innovative lending program, where excellence meets efficiency.

Competitive Rates

Competitive fixed rates with extended rate-lock options and flexible terms allow you to spend more time building the home of your dreams.


Benefit from up to 90%2 financing and no origination fee on your permanent mortgage, empowering you to confidently pursue building your dream home.

Flexible Terms

We ensure your path to realizing your home-building dreams is paved with success by offering interest-only payments during the construction phase and no charge for periodic inspections.3

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Find a Mortgage Loan Officer

Our expert loan officers are here to help you navigate the mortgage process with confidence. Get answers and personalized guidance to pave your path to homeownership today!



Where can I see current mortgage rates?

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Connect with a local mortgage loan officer to learn more about our competitive rates. 

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Ready to Take the Next Step?

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  1. An origination fee will apply for the construction loan.
  2. A borrowers land can be used as an equity injection into the project.
  3. No charge for periodic inspections within 40-miles of a Fidelity Bank branch. An inspection fee of approximately $75 will apply for homes more than 40-miles away from a Fidelity Bank branch.

For example purposes, a 1-year interest-only construction loan for a home worth $750,000 with 10% down at a note rate of 9.00% and an APR of 9.00% would have a monthly interest-only payment of $5,062.50. Once construction is complete, the same home worth $750,000 obtaining a 30-year fixed-rate mortgage with 10% down at a note rate of 7.875% and an APR of 7.897% would have a monthly Principal and Interest payment of $4,894.21.