Construction Loans

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Many people dream about building a new home. Maybe they found the perfect property or simply want to build to their exact specifications. We understand it could be one of the most exciting and rewarding projects you'll ever undertake. After you've purchased the land and begun designing your dream home, you'll need to determine financing for the construction, find the right builder, and navigate through permits and planning. Your Community Bank is here to simplify the construction financing with timely, local decision making.

Loan Program and Product Details

Our home construction loans are made for a limited duration, typically no more than a year. We offer interest only financing for the term of the loan. During construction, we work with your contractor to fund the project through pre-determined draw payments, which are designed to ensure that distinct portions of the project are completed before any additional funds are released for later phases. The advance rate and loan amount will be determined based on the project cost and equity required. In certain cases, the cash equity required may be reduced by equity in the land. Speak to one of our knowledgeable lenders for more details.

Competitive rates

Expert lending professionals: Ready to help

Rate and terms subject to change anytime without notice. Please ask about our current rates and terms.

For more information visit our conveniently located office or call us at 530-879-5900, Monday - Thursday 9am to 5pm, Friday 9am to 6pm.  One of friendly and knowledgeable Consumer Loan Representatives will be happy to assist you.

Mail loan payments to:

Northern California National Bank
Note Department
1717 Mangrove Avenue, Suite 100
Chico, CA 95926

Payments received before 5pm Monday through Friday are credited on the date received.  Automatic payments are processed on the loan due date or prior business day if on a weekend or holiday.

To request a demand for payoff, call us at 530-879-5900 during regular business hours, Monday - Friday 9am to 5pm.

Northern California National Bank Member FDIC. Equal Housing Lender.

Banking Products offered by Column, N.A., dba Northern California National Bank. Subject to eligibility and approval