Construction Loans
Build the home you've been dreaming about.
Building a new home comes with a lot of decisions. Our construction loan experts can help you understand your financing options and guide you through the process from start to finish.
FROM VISION TO FOUNDATION
Every great home starts with a solid plan.
Building a home is different than buying one. From construction timelines to builder coordination and draw schedules, our mortgage team will help you understand the financing process before construction begins.
Everything you need to build with confidence.
Local Lending Decisions
Your construction loan is reviewed by experienced lenders who understand your market and your project.
Flexible Financing
From groundbreaking to move-in day, we'll help you choose financing that fits your build and your timeline.
Local Guidance
Construction loans are different from traditional mortgages. We'll guide you through every phase so you always know what comes next.
FDIC-Insured. Equal Housing Lender.
Build with confidence knowing you're working with a trusted community bank committed to your success.
GETTING STARTED IS STRAIGHTFORWARD
From blueprints to move-in day—here's what to expect.
1
STEP ONE
Share Your Building Plans
Tell us about your project, builder, timeline, and financing goals so we can recommend the right construction loan.
2
STEP TWO
Secure Your Financing
We'll review your plans, help finalize your loan, and prepare everything needed before construction begins.
3
STEP THREE
Build Your Home
As construction progresses, we'll work with you throughout the process until it's time to move into your new home.
WHAT YOU'LL NEED
Gather these items before you begin.
Preparing a few important documents ahead of time can help keep your construction loan process moving smoothly.
- Project Plans Building plans, construction timeline, builder information, and estimated project costs.
- Financial InformationIncome documentation, bank statements, available assets, and information about your down payment.
- Identification & CreditGovernment-issued identification, your Social Security number, and other personal information needed to complete your application.
The people behind your construction loan.
Building a home is a major investment. Our experienced mortgage lenders will help coordinate the financing process from your first conversation through your final draw and closing.
Michigan
Mike Mattila
Home Lending Officer
Marquette
Marquette
John Rasinowich
Home Lending Officer
Houghton, Calumet
Houghton, Calumet
Samantha Riedel
Home Lending Officer
Iron Mountain
Iron Mountain
NMLS: 470158
Phone: 906-779-7518
Phone: 906-779-7518
Carmen Schipferling
Home Lending Specialist
Ironwood
Ironwood
NMLS: 470146
Phone: 906-932-8316
Phone: 906-932-8316
Wisconsin
Lori Josiger-Bloch
Home Lending Officer
Wausau, Weston, Merrill
Wausau, Weston, Merrill
NMLS: 609636
Phone: 715-841-8813
Phone: 715-841-8813
Tyler Lang
Home Lending Officer
Wausau, Rothschild
Wausau, Rothschild
NMLS: 1889867
Phone: 715-298-9943
Phone: 715-298-9943
Marne Renn
Home Lending Officer
Tomahawk, Eagle River, Minocqua
Tomahawk, Eagle River, Minocqua
NMLS: 259409
Phone: 715-612-3756
Phone: 715-612-3756
Florida
Kristen Derocha
Home Lending Officer
Cape Coral
Cape Coral
FIND YOUR WAY
Start planning your new home.
Check Current Mortgage Rates
Explore today's rates as you begin planning your construction project.
Calculate Your Monthly Payment
Estimate your monthly payment and understand how your financing fits your budget.
Frequently Asked Questions
You might find what you’re looking for right here.
How does a construction loan work?
Construction loans provide financing during the building process, with funds typically disbursed in stages as construction progresses.
Do I need to choose a builder before I apply?
In most cases, yes. Having a licensed builder and construction plans helps us evaluate your project and financing needs.
How are construction loan funds distributed?
Funds are generally released in scheduled draws as construction milestones are completed and verified.
Can I purchase land with a construction loan?
Depending on your project, construction financing may include the purchase of land. Your mortgage lender can explain the available options.
What happens after construction is complete?
Once construction is finished, your loan may convert to permanent financing or be replaced with a traditional mortgage, depending on your loan structure.
Is a construction loan right for my project?
If you're building a new home from the ground up, a construction loan may be the right solution. Our mortgage lenders can help you compare your options and determine the best fit.
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