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Construction, Bridge & Lot Loans

As your Community Bank we are proud to serve your financial needs. We have experienced associates that are prepared to help you with your Construction Loan, offering quick Pre-Qualifications and Bridge-Loan financing. 


Easy One-Closing Construction Loan 

This loan has three different Adjustable Rate Mortgages (ARMs) to choose from. It is a combination of a construction draw loan and a permanent mortgage. You’ll have one closing and pay closing costs one time. The construction draw phase is followed by a permanent ARM loan. Your interest rate is locked during the construction phase of your loan and until the first adjustment date on the ARM portion of your loan.   The interest rate on the ARM portion of your loan may change throughout the term, however there are CAPs that limit how much the rate may change over the life of the loan and annually.

During the construction draw phase, your monthly payment will consist of interest on the funds drawn along with any escrow payments required for insurance and property taxes. After construction is complete, you will begin paying your full monthly mortgage payment to include interest, principal, taxes and insurance.

If you choose to refinance into a fixed rate loan after construction is complete Tri City may be able to reduce your closing costs. 


Bridge Loan 

With a Bridge Loan you can remain in your current home and access the equity to buy or construct a new home.
 
A Bridge Loan is a short term loan with monthly payments of interest on the drawn funds along with any escrow payments required for insurance and property taxes. When your existing home sells, the net proceeds of the sale are applied to the Bridge Loan, and then you will be able to refinance the remaining balance into a permanent mortgage loan. 


Residential Lot Loan 

This financing option is for borrowers purchasing fully developed residential lots for the eventual construction of their primary residence.  The lot should be approved for septic and well if it will not have public sewer and water service.   





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