Construction & Lot Loans

• Competitive rates for your home construction project
• Available for primary residence or second home construction
• Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
• Payments are interest-only during construction phase
• Payments are made on the amount drawn on your loan sufficient to pay your builder
• Construction draws applied in stages based on work completed
• Local decision-making and processing
• Attentive, friendly service from start to finish

Please contact us for current rates.

You’ve found the perfect property for your dream home — or your new camp — but you're not ready to build.  Synergy’s lot loan offers you land-only financing that is easy and affordable until you’re ready to break ground.

• 100% financing available
• Up to 15-year amortization
• Up to 20-year amortization for loans $150,000 and above
• Fixed rates for 5 years or 10 years
• Local decision-making and processing
• Attentive, friendly service from start to finish

Please contact us for current rates.

1. Access the loan application (PDF) by clicking the Apply Now button. You can complete the form on your computer by typing in the spaces provided or by printing the application and completing the information clearly with blue or black ink. In both cases, please review your application thoroughly. Finally, sign and date your application.

2. Bring your application into any branch. If you are applying with another person, please make certain that they also sign and date the application. For your security, please do not scan and email your application.