Construction and Homesite Loans

Living in the country offers endless possibilities, from planting crops and raising animals to celebrating with family on vast acreage or stargazing under a dark sky. Whether you dream of a stick-built or manufactured home, a barndominium, or a custom-built home, Heritage Land Bank can help make it a reality.


country home

 Construction Loan Benefits:


  • 12-month construction period with interest only payments based on the amount drew plus principle
  • Smaller payments during construction to free up cash for any unexpected expenses
  • Start paying on the principle balance from day one
  • Construction financing for homes—including stick built, modular, barndominiums—and additions or renovations to an existing residence
  • One-time close construction loans
  • Favorable fixed long term interest rates, up to 30-year financing
  • Financing available for unique properties or outbuildings
  • Retain ag exemption


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