Construction Advantage Loan

Image of a house under construction

...A construction loan that smoothly transitions to a conventional mortgage.

  • One loan application
  • One set of fees
  • One loan closing
  • One interest rate

Building a home used to require one loan for the construction and then a second loan for the final mortgage...two sets of paperwork, two closings, twice the time and twice the trouble.

Now, with our Construction Advantage Loan, your construction loan will transition to your final mortgage 12 months after closing.

Plus, you will able to lock in a 30-year fixed rate at the beginning and not have to worry about mortgage rate increases during construction. The fixed interest rate includes the 12-months on interest only during construction.

*Offer of credit is subject to credit approval


Hometown Community Banks
Morton, IL
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