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If you’re looking to build a great future for yourself with construction on a new home or business, or some remodeling of existing construction, Fidelity Bank & Trust can help you with fantastic rates on construction loans. Fidelity Bank & Trust's Construction Loan Program is designed to help you in the process of building a new home! Our low closing costs and competitive interest rates for the construction phase help customers manage the expense of building a new home. Once your home is built, Fidelity Bank & Trust also offers competitive permanent financing options offered through our Mortgage Center.
Financing your construction project through Fidelity Bank & Trust means no inspection fees, convenient access to funds, and touchpoints to our extremely knowledgeable and friendly loan officers. Learn how our personalized approach to your financing makes all the difference, or contact us for more information!
| Loan Product | Interest Rate | APR | Monthly Interest Only Payment Example |
|---|---|---|---|
| Construction Loan* | 5.500% |
5.798% |
$1,145.83 |
Rates are effective as of 4/01/2026 and are based off of a 60-day rate lock period. All loans are subject to approval. Rates, terms, and conditions are subject to change at any time without notice.
*Loan scenario assumes an owner occupied, single family residence construction with a loan amount of $500,000, 20% down payment, 12-month term, and 650+ credit score. APR and monthly interest only payment is based on one-half of the loan amount being borrowed at the loan interest rate for the entire term of the loan. The payment example is based upon 12 monthly interest only payments of $1,145.83 and does not include principal, property taxes, and insurance premiums. Actual payment obligation may be greater.