Construction Loans | Saratoga National Bank

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Financing designed to fit your plans.

LET'S BUILD your dream home

Construction Loans

Our specialized construction loans are designed to fit your plans. Here’s how we can help!

We Make Financing Easy

From finding the perfect piece of property to choosing a builder who can make your dream a reality, building a home comes with many difficult decisions. When it comes to financing, we make the decision easy.

Our team’s specialty is construction loans:

  • We’ll walk you through the process
  • You can expect fast and local approvals
  • We offer long-term rate locks
  • We’re experts in the local construction market
  • We’ve built great relationships with local builders, real estate agents and attorneys

Let’s Get Started

We’ll look at all of your options together and get the process started. Email or call one of of our mortgage professionals to start the conversation and get a personalized quote. 

Choose Your Loan Type

You have options when it comes to your construction loan.

Construction End Loan

How it works:

The builder constructs your home and the loan closes after completion.

  • Home is built based on your customized plans and specifications
  • Offers long-term interest rate locks

Construction Draw Loan

How it works:

The builder is paid in stages as construction progresses.

  • Single closing, at the beginning of the process, with your interest rate locked from the start
  • You make interest-only payments on funds as they are advanced during construction
  • After a defined draw period, you make your regular mortgage payment

Apply Today

Choose one of our mortgage professionals and start an application todayThis link opens in new tab: ! We'll provide you with a personalized quote.