FDIC FDIC-Insured – Backed by the full faith and credit of the U.S. Government

Construction Loans

From Blueprint to Move-In

Whether you're constructing a new home or renovating your current one, First Financial Bank offers tailored financing solutions to support your journey. With clear terms and dedicated guidance, we help turn your vision into reality.

Contact Mortgage Expert

Clarity Over Chaos

Embarking on a construction or renovation project can be daunting. Common hurdles include:

Complex Loan Terms

Traditional lenders may present confusing options.

Unclear Disbursement Schedules

Uncertainty about fund availability can delay progress.

Lack of Personalized Support

Feeling unsupported during critical decisions.

At First, we prioritize transparency and personalized service to navigate these challenges effectively.

Why Builders Choose First

Our construction loans are designed for real residential timelines—not bank schedules.

Local Expertise

Our team understands your community and its unique needs.

Personalized Support

Dedicated loan experts guide you through every step.

Seamless Transition

Easily convert your construction loan into a permanent mortgage upon completion

Contact Lending Expert

Loan Options Built Around You

Construction-to-Permanent Loan

Finance the building of your home and automatically transition to a permanent mortgage upon completion.

Single closing process

Locked-in mortgage rate from the start

Interest-only payments during construction

Apply Now

Renovation Loan

Ideal for homeowners looking to finance major home improvements.

Loan amount based on the "after renovation" value of your home

Fixed monthly payments for predictable budgeting

Home used as collateral

Apply Now

Your Homebuilding Roadmap

Step 1: Talk With a Specialist

Discuss your goals, builder plans, and timeline with a local lending expert.

Step 2: Build Your Loan

Get a custom draw schedule, understand disbursements, and secure your loan structure.

Step 3: Finish Strong

Track disbursements digitally and move into your home with a permanent mortgage ready.

Your Vision Deserves the Right Foundation

Don’t let financing delays, disjointed teams, or lack of clarity derail your build. With First Financial, you get a partner who helps you stay on track—and who’s with you long after the final walkthrough.