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Construction-to-Permanent Loan

Whether you are building a stick-built or modular home, renovating your current one, or tearing down and starting fresh, it all begins with the right financing. Best of all, you'll save time and money with just one closing and one set of closing costs.

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Construction-to-Permanent Loan

With our Construction-to-Permanent Loan program, you’ll know upfront that the financial aspects of building or renovating a home are in place before you begin.1

Benefits of a Construction-to-Permanent Loan:

Choose The Right Financing

Available for primary or vacation homes, you can choose if a fixed rate or adjustable rate mortgage is right for you

Interest Only Payments

Enjoy the convenience of making interest-only payments on the outstanding balance during the construction phase

No Refinance Needed

No need to refinance once construction is complete

Get Started

Talk to an account executive or easily apply online

Simple Steps To Help You Get Started:

Finalize Plans
Finalize Your Plans


Meet with one of our Account Executives to find the right financing option for you. Once your construction plans and builder contract are finalized, then apply for your loan.

Start Construction 1
Begin Construction


You have finalized the details and signed your loan documents, let the construction begin! Funds are released as you reach different stages of construction.

Enjoy New Home
Enjoy Your New Home


Now that your home is complete, time to start moving in! Your loan will transition to the permanent phase and become a traditional mortgage.

Speak To One of Our Account Executives Today

With all that’s involved in seeing your plans through, we want to make sure your financing is one thing you won’t have to worry about. Let’s talk about your options, so you can find the right home financing to help you reach your goals.

 

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[1] All loans are subject to credit approval.

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Investments are NOT FDIC Insured, not Bank guaranteed, not a deposit, and not insured by any federal government agency. Investments may lose value.

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Automatic Translation Disclaimer

To help visitors understand information on this website in a variety of languages, Columbia Bank offers GoogleTM Translate, an unaffiliated third party service, which automates translation of the website. The GoogleTM Translate automated translation tool is not perfect and should not be relied upon. Automated translation may miss context, the full meaning may be lost, or words, phrases or sentences may be inaccurately translated. In addition, to the extent GoogleTM Translate caches and presents older versions of the Columbia Bank website content, that is beyond the control of the Columbia Bank site and its operators who accept no responsibility or liability for the outdated translation.

As a result, Columbia Bank does not make any promises, assurances, or guarantees as to the accuracy of the translations provided or the accuracy of the converted text. Columbia Bank and its affiliates disclaim and will not accept any liability for damages or losses of any kind caused by or arising out of the use of or reliance on the Google Translate feature. Where there is any question, the English version is always the authoritative version of the website.

Some items on the site may not be translated such as images containing text, documents, maps, and web page elements. In addition, some features on the site may not work in the translated versions. If you have any questions about information that appears on our site, please contact us.

Please be advised that deposit and loan disclosures and contractual documents will only be provided in English.

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