Residential Construction Loan

Build Your Dream Home from the Ground Up

From budgeting to breaking ground, Putnam County Bank’s Construction Loan is designed to make your homebuilding journey smooth and stress-free. Whether you’re purchasing land or using land you already own, we help you build equity from day one.* With a convenient one-time closing, a 12-month construction phase, and flexible rates and terms, PCB makes financing your custom home simple and straightforward.

*Subject to appraised value. All homes must be built on a permanent foundation.

Key Features

On-Time Closing

Save time and money with a single closing—no extra costs when your construction loan converts to a mortgage.

Easy Draw Process

Our in-house construction managers monitor progress at no additional charge, with no draw limits or hidden fees.

Choose Your Builder

Work with a licensed and insured contractor of your choice—giving you peace of mind and full control of your project.

Ask About Our Blue-N-Gold Bundle Banking

Get Started Today!

The chart above is based on a origination fee of 0.5% with a loan amount of $250,000.00, at least a 15% down payment, $500 construction fee, and common fees associated with loan closing. Interest rates and fees are subject to change without notice. We offer various loan options; depending on which product you apply for, your APR may vary.

*Additional fees/Conditions may apply.
*All loans are subject to credit approval.
*All rates & terms are subject to change without notice.