Construction Loans

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

Why choose FMS Bank?

We’re builders too – we build relationships.

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