Iowa State Savings Bank

Build a Home

couple walking through framed house

Financing that works alongside your construction timeline

Building a home is different than buying one. We will walk through your build, timeline, and budget so your loan works alongside each phase of construction.

Get started

Contact a banker


Start with a conversation

We begin by understanding your project and where you are in the process.

  • Your plans, builder, and project scope 
  • Your estimated budget and timeline 
  • What you are comfortable paying during the build 

From there, we will outline next steps and how financing will work through each phase.

What we will work through together

As you move forward, we will walk through the decisions that shape your construction loan.

  • Project budget and total loan amount 
  • When funds are released as construction progresses
  • Transition from construction to permanent financing 
  • Payment expectations during the build 

You do not need to have every detail finalized to begin. We will work through it with you.

How your loan is handled

Your loan stays with us, which allows us to work through details as your project develops.

  • Flexibility as plans evolve during construction 
  • One lender guiding the process from start to finish 
  • Coordination throughout each phase of the build 

When it fits

This option is often a good fit if:

  • You are planning to build a home 
  • You want financing that follows the full construction process 
  • You prefer to work with one lender throughout the project 
  • You want guidance as plans and timelines take shape 

Meet our lenders


Get started

Start with a conversation so we can understand your project and help you plan the next steps.

Get started

Visit a location

Schedule a meeting

NMLS #421412

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