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CONSTRUCTION LOANS

Building your dream just got  easier

No multiple closings. No rate surprises. Just one simple loan that takes you from blueprint to move-in – so you can stop stressing and start building.

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  • 🤝 Streamline the process with a one-time close
  • 🔒 Lock in your fixed or adjustable interest rate and keep it through closing
  • 🏠 Construction loan converts to a fixed or variable 15- or 30-year mortgage once construction is complete

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We keep construction moving

We simplify your construction loan with a single-closing, construction-to-permanent loan process. Enjoy an easy application, expert guidance, and a transition from an interest-only 12-month loan to your mortgage.

A simplified process

One closing ensures an easy transition from your construction loan to your mortgage, whether on owned land or a builder’s lot.

Competitive rates

Lock in your fixed or adjustable rate and keep it for your final home loan.

Choose a 15- or 30-year mortgage

After the home is completed by your licensed and insured builder, the loan transitions to a mortgage that suits your timeline.

Experienced Mortgage Consultants

Our team is with you every step of the way, keeping you informed and the loan process on track.

Helping our neighbors bank smart and live well

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Building better community, one member at a time

We know that when our members are living well and enjoying healthier finances, our communities are better off. That’s why we offer smart solutions and great banking benefits.

Join + apply for a loan

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Enjoy 24/7 account access and support

Upgrade your financial wellness with Choice Map

Stay local with 20+ member centers in Michigan and 30K+ fee-free ATMs nationwide

Hear from happy members

  • “I wanted to say thank you for all your help with my mortgage, with your guidance through the whole process. It was greatly appreciated. Thank you to you and Community Choice for being outstanding!” Joe C.
  • “Can’t thank you enough for your support regarding my daughter’s FL home mortgage. Without your assistance, the approval process might still be at a stalemate. Thank you for everything. I also, without limitations, will recommend you to anyone I might come in contact with, who needs a mortgage.” Ken T.
  • “At a time when everything seems to be either on-line or done remotely, you made getting a mortgage through Community Choice a very personal and pleasurable experience. What a welcome and wonderful change to the way things are so often done these days. Thank you so much for all the professionalism and courtesy that you showed to me throughout the process and know that it was appreciated more than you could ever know. I will certainly not hesitate to recommend you and Community Choice to others for their banking and mortgage needs.” Terry B.
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Build the life you want

From blueprint to move-in day, we’re with you every step of the way.

  • Begin by applying and getting pre-qualified for your loan.
  • Our expert team will manage underwriting and processing, ensuring a smooth experience.
  • Once construction is completed by your licensed and insured builder, it’s time to move into your dream home.

Enjoy peace of mind with our upfront, locked rates. Your initial construction loan seamlessly converts into a long-term mortgage, making the transition effortless while saving you time and money.

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