First State Bank’s Home Construction Loans
Allow Us to Help Fund Your Home’s Construction
Considering a Construction or Home Improvement Loan?
Maybe you have purchased land and are now ready to build your new home. Perhaps you have purchased a home that still needs some work. Whatever your new home construction needs, First State Bank can help you fund them with a customized Construction or Home Improvement Loan.
Why Choose a Home Construction Loan?
Building a home is one of life's biggest financial decisions, so choosing the right loan matters. Our residential construction loans give you the flexibility and local support you need to bring your plans to life. We offer financing built for Texans, by Texans, for various construction projects in North and Central Texas.
Unlike traditional mortgages, construction loans offer short-term financing that covers every build phase, from lot purchase to final inspection. We work closely with your builder to ensure smooth disbursements and timely progress.
Do you have questions? Our team is here to help you find the right construction loan for your project. Call 940-665-1711, stop by your local First State Bank branch, or visit our Construction Lending Team page to connect with a lender near you.
How Do Construction Loans Work in Texas?
Our construction loans are designed to make the building process stress-free and straightforward. You'll receive short-term financing with interest-only payments during construction, giving you flexibility while your home takes shape.
Funds are released in stages, called draws, as each construction phase is completed. We coordinate directly with your builder to ensure smooth inspections and timely disbursements. Once your home is finished, the loan can be converted into long-term financing, often with no need to refinance.
A construction loan from First State Bank means you get competitive rates and personal service from start to finish. We'll walk you through every step, providing professional guidance.
*All loans are subject to credit approval. Terms and conditions apply.
Contact First State Bank Today
Our extensive lending experience will assist us in streamlining your home loan application process. We work hard to make sure our neighbor’s needs are met. Contact us to learn more today.
Apply for a Home Loan Today
If you’re ready to apply for a home loan with First State Bank, just choose the method that works best for you.
Ready to Learn More?
Connect with a lender today.
Prefer to Visit in Person?
Our friendly, experienced team is ready to assist at any of our convenient locations.
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