Lock and Build Program

Have you always wanted to build your own home, customized exactly to fit your needs? With the Lock and Build Program, now you can.

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The Right Residential Lock and Build Program For You

If you are looking to build a new home, our Lock and Build program offers great options for you. The extended interest rate lock option provides flexibility when constructing a new home.

Build Your Dream Home from the Ground Up

If you haven’t found the perfect house yet, maybe it’s time to think about building our own. With our Lock and Build program, you can lock in an interest rate for up to 270 days while you home is being built.

Take Your Time Locking In Your Rate

With the Lock and Build program, we allow one rate drop within 45 days of the lock expiration if market rates go down or when the home is completed, whichever comes first.

Access Our Experienced Customer Service

Our Mortgage Bankers offer personalized service and are available to walk you through the whole process of taking out a loan for new construction. Visit one of our banking centers or call our Mortgage Bankers at (866) 910-5221 today to get started.

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Lock and Build Program

Comparing Mortgage Terms

Different mortgage terms and rates can make the loan selection process confusing, especially if you don't plan on keeping the loan for the full term. Use this calculator to determine the total cost in today's dollars of various mortgage alternatives taking into account your opportunity cost of money.


Apply Online

The application will ask questions about the house you are planning to buy and your finances. It takes less than 20 minutes to complete. If your application is approved online, we'll ask you for a deposit to cover the cost of the appraisal on your home so that we can begin to process your request immediately.

After your application is completed, a Mortgage Banker will contact you to introduce themselves and to answer any questions you may have. Your Mortgage Banker is a mortgage expert and will provide help and guidance along the way.

If your request wasn't approved online, they'll ask you for any information required to make a decision about your loan.

Prepare for Closing

Once everything is finalized, we'll send you the application package. This package will contain papers for you to sign and a list of items we'll need to verify the information you provided about your finances during the online application.

We'll also order an appraisal from a licensed appraiser who is familiar with home values in your area.

You'll also need to obtain title insurance. If you are purchasing a new home, we'll work with the real estate broker or seller to ensure the title work is ordered as soon as possible. If you are refinancing, we'll take care of ordering the title work for you.

Close Your Loan

After we receive all your paperwork — your application package, the appraisal, and the title work — we'll contact you to schedule your loan closing. If you are purchasing a home, we'll also schedule the closing with the real estate broker and the seller.

The closing will take place at the office of a title company or attorney in your area who will act as our agent. A few days before closing your Mortgage Banker will contact you to walk through the final information.

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Related Information

Loan Rates

Find up-to-date interest rate information on all our loans.

Related Products and Services

Not ready for new construction? If our Lock and Build Loan Program isn't right for you, we have a variety of other products to choose from.