Construction and Lot Loans

Sometimes the only way to make your dream home a reality is to build it yourself. FCB Banks can help finance your dream home from start to finish. Check out the details of our Lot and Construction Loans and then contact your loan officer to start building your dreams into reality!

Lot Loans

Before you start building, you need a place to build. With an FCB Lot Loan you can finance the purchase of land or a lot. Lot Loans function much like our Flex Mortgage option, but there are a few key differences:

• Fixed interest rate 
• Flexible amortization schedule
• As low as 20% for down payment
• Underwritten locally for faster decisions
• Automatic payments from your FCB Banks checking account are available

Construction Loans

Once you’ve got your land or lot, it’s time to start building. We handle your disbursements, just bring your bills to your loan officer and our construction department will get the checks ready for disbursement. Plus you’ll enjoy these great benefits:

• Construction to permanent financing available
• Option to lock in your FCB Banks Flex Mortgage rate when you start construction
• No limit on the number of disbursements per month; pay contractors when it’s convenient for you!
• Low closing costs

Compare Mortgage Options Calculate Your Payment Contact Your Loan Officer