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Construction Loans

Have you found the perfect floor plan for a custom-built home? Our construction loan programs offer solutions to make your vision a reality.

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

Two-Time Close Construction Loan

  • Up to 90% financing available
  • Competitive rates with fixed and adjustable options
  • No origination fee on your permanent mortgage
  • Interest only payments during the construction phase
  • Flexible terms
  • Extended rate-lock options
  • No charge for periodic inspections2

Ready to get started?

Talk to us about the construction process. Your future home awaits.


1 An origination fee will apply for the construction loan. 2 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.

The above information for the two-time close construction and permanent loan assumes a sales price/construction cost of $500,000 at 90% LTV with a minimum of a 720 credit score on a 30 year fixed conventional loan. The APR is 5.978% as of 6/8/22. This is an example only and not a commitment on rate or loan approval. Credit approval required. Programs are available to qualified borrowers only. Programs are subject to change without notice. Some restrictions apply.

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Estimated Monthly Payments
30 Year Fixed / 4.25% Interest
Principal & Interest: $1,206
Homeowners Insurance: $93
Property Taxes: $274