Build from the ground up with financing tailored to you.

You’re not just building a house, you’re creating your dream home. Put your energy into every detail, and let a New Construction Loan from First Commerce Credit Union handle the rest with one closing and a simpler path from lot to move-in.

Finance your lot purchase, home construction, and mortgage in one streamlined transaction and build according to your budget priorities.

New Construction Loan

Building your custom home on your terms.

  • Work with trusted builders and contractors
  • Explore fixed-rate and adjustable-rate loan options
  • Enjoy one coordinated loan process
  • Avoid a second closing once construction is complete
  • Lot purchase options for eligible borrowers
  • Local decision-making and support throughout the homebuilding journey
Local Guidance
Local guidance. One-time closing. Financing designed for your build.
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Let's talk about your homebuilding plans.

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Primary Residence Financing

Primary Residence Financing

Built for qualified borrowers constructing a primary residence.

One Closing for Your<br>Entire Loan

One Closing for Your
Entire Loan

Lot purchase, construction and mortgage loans coordinated through a single closing process.

Local Lending Guidance

Local Lending Guidance

Work with a friendly, knowledgeable team that understands your goals.

Lot Purchase Options

Lot Purchase Options

Eligible borrowers may be able to finance land purchase as part of the overall loan structure.

Local guidance for your homebuilding journey

Local guidance for your homebuilding journey

From the first plans to move-in day, our local lending team is here to help you navigate the unique financing considerations that come with building a home. Learn more about construction financing options available to qualified borrowers.

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First Commerce Credit Union Helps You Build with Confidence

Member Testimonial

Member Testimonial

“I’m in the process of buying my first home and I can’t say thank you enough to the First Commerce team for all their help. They have been on this journey with me for months and have taken the time to help with different options, and what is best for me and my family.”

Contact Us

Tell us about your project and a Home Loans specialist will contact you to discuss your construction financing options.

Construction Loan Lead Form

About You

Your Name(Required)
Your Email Address(Required)
Land Status
Builder Selected

FAQs

A New Construction Loan combines lot purchase, construction, and mortgage loans into a single process with one closing. Once construction is complete, the loan transitions into permanent financing without requiring a second closing.

Eligible borrowers may be able to finance the purchase of land as part of the overall loan structure. Contact our Home Loans team to discuss your specific project and financing needs.

Yes, the First Commerce Credit Union New Construction Loan is designed for qualified borrowers building a primary residence. Contact our team for details and eligibility requirements.

No. Depending on your project and eligibility, land purchase options may be available through the loan structure. Our Home Loans team can help you explore available options

Connect with our Home Loans team to learn more about the First Commerce New Construction Loan, discuss your project, and review financing options available to qualified borrowers.

All loan programs, terms, conditions, and rates are subject to credit approval, underwriting guidelines, and property eligibility requirements. Construction financing available for eligible owner-occupied primary residences only unless otherwise approved. Builder acceptance required. Interest-only payments may apply during the construction phase. Hazard insurance, flood insurance where applicable, and builder’s risk insurance required. Loan-to-value limitations, reserve requirements, minimum credit scores, and debt-to-income limitations apply. Rates and terms subject to change without notice. Please consult a Home Loan Originator for complete details. This is not a commitment to lend. Equal Housing Lender | NMLS#774895.