Lock and Build Program

Have you always wanted to build your own home, customized exactly to fit your needs? With the Lock and Build Program, now you can.

Apply Now

The Right Residential Lock and Build Program For You

If you are looking to build a new home, our Lock and Build program offers great options for you. The extended interest rate lock option provides flexibility when constructing a new home.

Build Your Dream Home from the Ground Up

If you haven’t found the perfect house yet, maybe it’s time to think about building our own. With our Lock and Build program, you can lock in an interest rate for up to 270 days while you home is being built.

Take Your Time Locking In Your Rate

With the Lock and Build program, we allow one rate drop within 45 days of the lock expiration if market rates go down or when the home is completed, whichever comes first.

Access Our Experienced Customer Service

Our Mortgage Bankers offer personalized service and are available to walk you through the whole process of taking out a loan for new construction. Visit one of our banking centers or call our Mortgage Bankers at (800) 947-7061 today to get started.

Find a Mortgage Banker

Comparing Mortgage Terms

Different mortgage terms and rates can make the loan selection process confusing, especially if you don't plan on keeping the loan for the full term. Use this calculator to determine the total cost in today's dollars of various mortgage alternatives taking into account your opportunity cost of money.


Apply Online

Apply with our online application. It walks you through the process and allows you to submit documents securely using your phone, tablet or computer. You also get 24/7 access to your loan in progress and a direct line of communication with your loan officer to make sure your loan stays on track for closing!

After your application is completed, your mortgage banker will contact you to answer any questions you may have and request items if they need additional documentation.

Prepare for Closing

Close Your Loan

Ready to Get Started?

Find a Mortgage Banker

Related Products and Services

Not ready for new construction? If our Lock and Build Loan Program isn't right for you, we have a variety of other products to choose from.