Construction Loans

We’re builders too – we build relationships.

You see, FMS Bank is a community bank that’s built on a sense of community. We make lending decisions locally,
so you can get fast construction lending approval from folks who understand the local market.

Tailored, from the ground up.

Looking to fund the construction of a residential or commercial property? FMS Bank can customize a short-term financing solution. We make construction loans to builders, homeowners or businesses. Construction loan highlights:

  • Usually short-term loans (12 months or less)
  • Can be used for a spec home, or one that has been pre-sold
  • Monthly interest-only payment on outstanding principal balance
  • Can be characterized as a line of credit for materials and labor (drawing funds as needed during construction)
  • Variable or fixed rate options