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New Home Construction

Gate City Bank offers the financing options you need to build your dream home. Our team of mortgage experts will help you decide on financing, so you can focus on designing your vision.

15- or 18-Month Interest Rate Lock Options

Protects your interest rate from changing for up to 18 months, guaranteed, at no additional charge, with the option to re-lock to current market rates 60 days prior to closing.

Flex Loans

We can offer the flexibility you may need to stay in your current home, while your new home is being built.

Lot Loans

Finance your lot while you prepare to build your dream home. We may be able to lend up to 90% of your lot’s value.

Construction Permanent Loans

Close on your home loan before building even starts! Finance your lot and construction costs into one home loan to save on closing costs.

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