Home Construction Loans
Why Choose a Construction to Permanent Loan With River Valley AgCredit?
Our fixed rate construction loan provides you with one interest rate and one closing: offering peace of mind throughout your build.
Program Highlights
Whether you're building on an acre or large acreage, our loans are designed for all rural borrowers, not just farmers.
- Up to 85% loan to value (LTV)
- Fixed rate locked at construction loan closing
- Interest rate reduction option available at the end of construction
- No additional fees to convert to permanent financing
- Loan amounts based on conventional loan limits
- Choose your term up to 30 years
- No PMI required
How a Fully Disbursed Construction Loan Works
Our C2P structure keeps the build process simple, predictable, and affordable.
- Construction contract provided
- Rate locks upfront
- Draws based on completed work
- Up to six inspections/disbursements are included
- No additional fees
- Interest rate reduction option if market rates have fallen
- One closing. One set of closing costs. Saving you thousands.
Your builder submits a turnkey contract outlining the full project, and loan funds are disbursed as construction progresses and inspections confirm completed phases.
Are you ready to build your dream home?
Contact your local River Valley AgCredit mortgage lender today.