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Construction Financing

Building or expanding your home?

One Loan. One Closing. One Rate.

With just one loan you a can enjoy a one-time closing … saving you time and money!


Phase 1: New Build and Home Improvement Construction Loans

  • When you apply for your construction loan, your rate will be locked at the current fixed rate based on the term approved for Phase 2 (terms up to 30 years available).

  • Make interest-only payments while you build and take up to 12 months for construction.


Phase 2: Permanent Loan

  • Once your house or improvement construction is complete, your loan is automatically converted to a permanent loan (at the same rate).

  • Pay no prepayment penalties.

Get the POWER to build or expand your home with ONE LOAN package.

This allows you to save time and money as there are no additional closing costs or fees to automatically convert the construction loan to a permanent loan.

To learn more, call (304) 420-5561.


This loan package is available for new build and Home Improvement Loans for primary residences only. Your rate will be locked in for the current fixed rate based on your qualifications and the term approved. (Repayment example for $75,000 at 3.459% APR for 30 years is a monthly principal and interest payment of $331.57. Payment does not include taxes and insurance premiums so actual payment obligation will be greater. Interest only during the construction period would be max of $210.94 monthly for 12 months.) Automatic debit from a Community Bank deposit account is required for this rate. All loans subject to credit approval and program qualifications. Some restrictions apply.



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