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Construction Loan Program

The One Time Close Construction Loan will combine your Construction and Mortgage financing into one Loan. Program offered in Northshore, Southshore and Baton Rouge areas of Louisiana. 

Program Overview:

  • Construction financing, lot purchases, and permanent financing all wrapped into one product
  • One set of loan documents that covers both the interim construction phase and the permanent loan
  • When construction is complete, the loan is then modified to a permanent loan, saving time and money
  • Rate is locked upfront and a float down of the rate is possible once Construction is complete

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For the Borrower


  • Ability to be pre-qualified before you have a contract
  • Convenience of one lender, one application, one closing, and one approval
  • Fixed interest rate during construction phase
  • Interest only payments made during the construction period based on the amount of funds drawn from the loan

For the Builder

Builder Benefits:

  • Ability to price construction loans more competitively without the expense of a construction loan
  • Simplified builder process with reliable draw funds delivered by deposit, wire, or check
  • Set 5-part draw schedule
  • 10% soft draw allowed at the time of closing


Have questions

Want someone to contact you and answer any questions you may have?


Find a Loan Officer

If you are looking for a loan officer to help you through the process, click the Find a Loan Officer button.

Find a Loan Officer

Ready to apply

If you're ready to submit your application, click the Fill Out a Full Application button and and jump right in. 

Fill Out a Full Application


Information stated above is subject to change without notice. All applications are subject to underwriting guidelines and approval. This does not constitute an offer to lend or offer an extension of credit. All loans are subject to credit approval. Not all applicants will qualify for all products offered. All loan programs, terms and interest rates are subject to change without notice and may only be available in select markets.

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