Construction & Land Loans

There are a TON of reasons to build your home with help from Simplicity CU!

Building your dream home starts with the right foundation—whether that means purchasing the perfect piece of land or financing the construction from the ground up. At Simplicity CU, our Construction & Land Loans are designed to help you take the next step toward homeownership with confidence. Whether you’re buying land to build on later or ready to break ground now, we offer flexible financing options to fit your needs.

Construction Loans: Made Simple

• Finance up to 95% LTV (Loan to Value)!

• Choose from a 6, 9, or 12-month term to meet your needs.

• Unlimited draws help you keep your project moving forward.

• Pay only interest while you build at a competitive rate*

• Choose our “Construction to Permanent” option and save on closing costs!*

Hey buddy, building the home you’re dreaming of can be easier than you think. Let our Mortgage Geniuses help you from start to finish with our “Construction to Permanent” loan program.

1. Start with a Pre-Approval at least 2 months before you plan to start building. Click here to apply now.
2. Decide on your floor plan, get estimates, and gather your personal info to get ready for closing day.
3. Close on your construction loan and get started building. We’ll help from your first draw request form to your final appraisal.
4. When construction is done we’ll be ready to transition to the mortgage loan that fits you best with no more closing costs.*

Land Loans

Found the perfect piece of land? Our Land Loans offer flexible financing for residential lots, acreage, and rural properties—whether you're planning to build a home, start a hobby farm, or simply invest in land for the future. With competitive rates and personalized support, we’re here to help you turn your vision into reality, on your timeline.

• Fixed Rates 10 or 15-year terms
• 3/1 ARM 15, 20, or 30-year terms
• 10% or 20% down payment requirement based on credit score, acreage, and debt-ratio