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Construction Loans


Whether you're building from the ground up or planning a major remodel, it's easy to transform the home of your dreams into reality with North Dallas Bank & Trust Co.  Our goal is to not only help you construct your dream home but to develop a long-lasting relationship for all your financial needs. 

Lot Loans

If you plan to build a new home but have not completed construction plans, we can help you with an interest-only loan to secure the purchase of the lot for a future home.  In addition, if you know that your dream home is years away from construction, we can offer long-term financing to help your cash flow until you are ready to build.

Interim Construction

An interest-only construction loan is available.  The maximum construction period will depend on the scope of the project. 
Once the home construction is complete, North Dallas Bank’s Mortgage Division offers permanent financing. 

One-Time Close

The One-Time-Close loan is approved and closed before construction begins. You will save time and money with one closing, one set of closing costs and one construction loan.

You are able to take advantage of locking in a low interest rate at the start of construction, thereby avoiding possible interest rate changes while your home is being built.

This ARM (Adjustable Rate Mortgage) hybrid product allows you to merge an interest only construction loan with permanent financing automatically at the end of the construction period.  After the initial fixed rate period, the rate may adjust annually and the payment may increase for the remaining loan period.


North Dallas Bank & Trust Co Mortgage Division – NMLS# 501107