New Construction Financing

Building your dream home from the ground up is an exciting endeavor, and First Bank and Trust is here to help you turn your vision into reality.

We are a trusted new construction lender offering a comprehensive range of financing solutions to build your new home. Whether you're planning to construct a new home, convert a construction loan to a permanent mortgage, or secure the perfect piece of land for your future home, our construction and home loan experts are dedicated to guiding you every step of the way.

A Single Loan to Build Your Home

Construction-to-Permanent Loan Lender

Our construction-to-permanent financing covers the entire construction process with a single loan. From acquiring the land to purchasing materials and covering permit fees, our loan has you covered. What's more, once your construction is complete, this single-close loan smoothly transitions into a traditional mortgage, simplifying your financial journey.

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Dad And Daughter Are At Construction Site
Financing for Construction

Residential Construction Loans

Constructing a home requires a unique approach to financing. Our residential construction loans provide funding throughout the construction process, with disbursements made as various stages of your home's development are completed.

Financing for Land

Land & Lot Loans

Our affordable financing and flexible payment options make becoming a landowner more attainable than ever. Let the First Bank and Trust Company team ensure you secure the right land loan for your lot purchase. While both land loans and home loans grant you ownership of property, there are noteworthy differences between the two, and we're here to guide you through them.

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Consider Renovating a Home

Have you considered the transformative power of renovating your existing home? There are specialized loans for home improvements that can turn your current house into your dream home. Whether you're envisioning a complete home makeover, eyeing a promising fixer-upper, or simply looking to enhance a few areas, our renovation mortgage loans are the perfect foundation to bring your vision to life.

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