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Mortgage Calculators

Build Your Dream Home with Support You Can Trust

Building your home is an exciting journey—but it can also feel overwhelming at times. Let us guide you through the financing process to make constructing your dream home as smooth as possible. Your project begins with a construction loan, which covers the costs during the build. Once complete, refinancing the loan will put it into long-term permanent financing.

• Offering an initial period of interest only payments on the amount you have advanced.
• 15% down payment plus closing costs.
• Call us for more information and to discuss your construction project details!

Why Choose Us?

• Competitive Rates & Flexible Terms – We provide specialized construction loan options with competitive interest rates and flexible terms designed to support your new home build. Whether you’re breaking ground for the first time or managing a custom project, our local lending solutions across Albert Lea, Hartland, and southern Minnesota are built around your goals.
• Streamlined Construction Loan Process – Our construction loan application and approval process is straightforward and hassle-free. We provide every customer with a personalized binder that walks you through each step of the process, keeping all your important documents organized. From initial pre-qualification, project bids, draw requests through to completion, we simplify the journey so you can focus on building your dream home.
• Local, Personalized Service – As a community-focused bank, we take pride in providing personalized service tailored to your financial goals. Our knowledgeable team members are based right here in Minnesota, and we’re committed to guiding you every step along the way!