FDIC-Insured-Backed by the full faith and credit
of the U.S. Government
search-icon Search card-icon Make a Payment

Online Banking

Turn plans

Into a Home

Skip the double paperwork. CCFBank’s Construction-to-Permanent loans offer a seamless transition from breaking ground to moving in, with expert guidance at every stage of the build.

GET STARTED

A simple Way to build custom

  • One Loan, One Closing

    No need for separate construction and mortgage loans.

  • Interest-Only Payments During Construction

    Pay only interest while your home is being built.

  • Rate Lock Protection

    Secure your mortgage interest rate before you start construction.

  • Flexible Draw Schedule

    Funds released as needed during build process.

Investing

Secure the Perfect Plot
for your Future Home

Secure Land

Purchase the land where your future home will be built with financing solutions designed to fit your goals.

Close Construction Loan

As your home is built, funds are disbursed in stages to help cover construction costs and keep your project moving forward.

Roll Into Permanent Financing

Once construction is complete, your loan transitions into permanent financing, allowing you to move into your new home with confidence.

GET STARTED
Investing

How to prepare

Build with ease—one loan, one closing, and a smooth path to your new home. Here’s what we recommend you gather to get started:

  • Start construction application
  • Proof of income and credit history
  • Detailed home plans
  • Cost estimates from your builders
  • Builder’s contract & credentials
GET STARTED

The documents listed above are commonly requested during the mortgage process. Providing them is not required to a submit a mortgage application.

Learn

Measuring Home Affordability: How Much Is Too Much? Article

One of the most common questions we hear is, “How much house can I actually afford?”...

Learn More Arrow
Get Mortgage-Ready: Credit Tips for Your First Home Article

Buying your first home is more than a real estate transaction; it’s a milestone in your...

Learn More Arrow
Empowering First-Time Homebuyers: Your Path to Homeownership Article

As a first-time homebuyer, navigating the world of mortgages can feel overwhelming. From understanding different loan...

Learn More Arrow
Learn More from experts

connect with an expert

Brett Kemmer

Brett Kemmer

Mortgage Loan Officer
Email Call
NMLS #411288
West Central Wisconsin | Southeast Minnesota
Chris Ryder

Chris Ryder

Mortgage Manager
Email Call
NMLS #481034
West Central Wisconsin | Chippewa Valley
Kaylea Payer

Kaylea Payer

Mortgage Loan Officer
Email Call
NMLS #2284901
Northern Wisconsin
Margaret Tozier

Margaret Tozier

Mortgage Loan Officer
Email Call
NMLS #402052
Eastern Wisconsin | Metro Minnesota
Nathan Wester

Nathan Wester

Mortgage Loan Officer
Email Call
NMLS #2486978
West Central Wisconsin | Chippewa Valley
Samantha Paris

Samantha Paris

Mortgage Loan Officer
Email Call
NMLS #979978
South Central Minnesota | Southeast Minnesota

FAQS

It starts by taking an application with one of our mortgage loan officers. Once they have your personal information and your intent to proceed, we’ll request and verify documentation related to your credit, income, assets, and any other applicable pieces needed to qualify you.

House plans detailing the dimensions and layout will be required along with a builder’s contract breaking down the cost of labor and materials used to complete your project.

10% is a typical starting point for down payment subject to qualifications.

A land loan, or lot loan, helps you purchase a plot of land. We offer financing for both small acreage and large acreage.

Just like with a mortgage loan, you’ll submit an application to start the process. Qualifications will be based on the type of land loan you are applying for. Contact one of our mortgage loan officers with questions or click here to start the process.

VIEW ALL FAQS