Construction Loans

Lay down roots for you and your family — one brick at a time. At Volunteer State Bank, we want you to feel the satisfaction of building your home from the ground up but without the financial headaches a construction project can cause.

Interest-only payments during the construction phase mean you won’t be stressing out over the financial part of creating your new home. And competitively low rates will ensure you don’t go over budget.

  • Competitively low rates for your home construction project
  • Available for primary residence or second home construction
  • Permanent financing options available
  • Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
  • Pay off interest quicker; 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
  • Friendly Middle Tennessee service from start to finish