Construction Loans

Build Your Dream Home

If you've been looking for a house lately, you know the market is tough for buyers. Houses are selling fast! When finding a great deal on a great house feels impossible, why not build your own? Learn how easy a new construction loan can be with Plains Commerce Bank.

Simple. Transparent. Consistent.

Our Mortgage Bankers will work with you from start to finish. With a construction loan, you’ll pay interest only on the money you have borrowed to date as you move through the building process.


Loans that cover up to 90% of project cost (including land)**


Dedicated PCB lender for each project

Meet Your Local Lenders

Get to know our Construction Loan mortgage bankers. They're the hardest working folks in the business and they're here to serve you.

Learn More

Home Construction Loan Process

Step 1:

Get prequalified for the permanent financing with one of our fantastic mortgage bankers.

Step 2:

You'll provide us with the building plans and specs for your new home. (Your general contractor can help with these.)

Step 3:

Our team will provide you with a construction loan estimate and order an “as-complete” appraisal.

Step 4:

Once your request is approved, we will close on the loan. Let the building begin!

Find Your Nearest Lender

Complete the following form and your local lender will reach out. Be sure to select the branch location nearest to you from the dropdown menu so we can better serve you.

Construction Loan FAQs

Why should I choose PCB for my new construction loan?

Can I increase my chances of obtaining a new construction loan?

What’s the difference between a mortgage and a new construction loan?

All credit and loan products are subject to credit approval. Note the construction loan rates are for close-end loans only.

Please call 877-212-8787 for loan estimates.


While we offer this link for your convenience, please note that we are not responsible for the content provided by third-party websites. We encourage you to review the policies of any website prior to sharing personal information to ensure privacy and security. Any products or services accessed through this link are not provided by, endorsed or guaranteed by Plains Commerce Bank.

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