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You don’t have to wait to make a dream purchase.

Turn a blueprint into a home with a construction loan from D.L. Evans Bank. Construction loans provide funds to future homeowners for the land, materials, and labor that are the building blocks to constructing your new home. If you already own your land you can use it as collateral, resulting in a lower initial investment to meet your construction loan down payment requirements. Your construction loan term will only be as long as it takes to complete the building of your home. Once your home is built your construction loan will be converted into a mortgage.

Steps in the Construction Loan process

  1. Pre-qualify with your mortgage loan officer
  2. Finalize plans and costs with your builder
  3. Submit and review construction request
  4. While your home is being built, your construction loan is utilized with draw requests to cover construction costs as the home is being built
  5. 60 days from the completion of your new home, you will work out the final details for a mortgage loan with one of our mortgage loan officers
  6. Your home is completed and receives its certificate of occupancy
  7. Finalize and close on your mortgage loan
  8. Celebrate your new home that has gone from blueprint to reality

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  •  A wide range of terms customized to your unique situation
  •  Approval based on creditworthiness 
  • Local decision-making and processing
  • Attentive, friendly service from start to finish
  • Pre-qualify with a mortgage loan officer
  • Cost breakdown from your builder is needed
  • Copy of plans and specs for the new home
  • All loans are subject to credit approval

Bridge Loans

Bridge loans are designed to help close the gap between upgrading or downgrading your current home.


  • Attentive, friendly service from start to finish
  • All loans are subject to credit approval

Lot or Land Loans 

Building a dream home starts with finding the perfect location. If building your own home is something that you dream of you can get a head start on that dream today. With a Lot or land loans you can ensure that the perfect location is yours when you are ready to build. These loans are a building block to your dream home. Buying land or lots is a great investment, and you can secure your desired location even if you aren’t ready to build yet.


  • Attentive, friendly service from start to finish
  • Fixed or adjustable rate options available 
  • All loans are subject to credit approval

Need more detials? We can help!

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