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Construction Loans

Get on the road to building your dream home today.

We'll guide you from start to finish

We're with you every step of the way while you build your new home. We offer our expertise and an in-house mortgage product to make your dream home a reality.

Start a Construction Loan Application


Construction Loan Checklist

As with any loan process, construction loans require paperwork and information we need to get started. But we want to make this as easy as possible, so use our checklist below to view everything you'll need.

Construction Loan Checklist
Construction Loan ChecklistItems
Construction loan items
  • Detailed and accurate building plans
  • Builder's cost breakdown (contractor statement)
  • Copy of deed, if the lot is titled to borrower
  • Purchasing agreement if borrower is purchasing lot in conjunction with the construction loan
All applicants
  • Real Estate Loan Application - we will provide and help you complete
  • 30 days of consecutive pay stubs
  • 2 of your most recent bank statements
  • 2 most recent federal income tax returns
  • 2 most recent W-2 forms
  • Fully executed purchase agreement (if applicable)
  • Home Owner's insurance information
If self-employed
  • Last year-end financial statement and current year interim statement

* All offers of credit are subject to credit approval. 


Safe Registry MLO EmployeesNMLS ID #
Nicole Squier, Vice President527672
Tailor Burnes, Mortgage Loan Processor2431194
Susan Springfield, Retail Banking Manager527674
Tammy Hoffman, Chief Administrative Officer1594302
First Community Bank and Trust Bank Identifier460979

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