Construction Loans

A solid financial foundation for your new home

Our residential construction experts will work with you and your builder to make everything as seamless and efficient as possible.

Advantages of a UBT Construction Loan

Fast, easy pre-qualifications

Your requests will typically be approved within 24 hours so you can begin your building project on time. 

Responsive service

Because we’re family-owned with local decision-makers, we provide prompt, timely communication to keep the process moving.

Quick draws

We’ll typically process draws within 24 hours, helping to eliminate delays and keep subcontractors happy. Draws received before 10:00 a.m. are often processed the same day. 

Loans customized to fit you

Your project and needs are unique, and “cookie cutter” loans just don’t fit. We’ll listen to your needs and plans, then tailor a loan to suit you. 

How it Works

Getting your home construction started

After choosing a reputable builder, determine whether you or the builder will be securing the construction financing for your home. If it’s up to you, work with real people who really care (like Jason!) about your home-building project. We'll assess your needs, time horizon, and building plans to help you find the right home loan for your needs —  which starts with a construction loan to cover your lot and construction costs, then is refinanced into a traditional mortgage for a seamless experience.

No matter what kind of construction financing is right for you, we'll be there every step of the way. 


Loan products subject to credit approval.