A family looking at there new home that is being built

Construction Loans

Bring us your blueprint. We'll help make that dream home happen.


What makes people want to build a new home from the ground up? It can be all about finding a perfect location or wanting a unique design. What makes people come to Wilson Bank for financing? Affordable rates, friendly service, and the knowledge that we'll be right there with you from the first 2-by-4 to the final roof shingle.

  • Competitively low rates for home construction projects
  • Short-term loan that covers both labor and material costs
  • Payments are interest-only during construction phase.
  • Title insurance not required on loans less than $500,000
  • Competitive options for permanent mortgage financing after construction is complete
  • Local decision-making and processing in Middle Tennessee
  • Attentive, friendly service from start to finish

One-Time-Close Loan
Building the home of your dreams just got easier with our One-Time-Close (OTC) mortgage loan. OTC saves you time and money with just one closing. Enjoy the convenience of keeping the same loan after you move in to your new home.
  • Competitive rates
  • Protection from interest rate changes
  • Expertise from knowledgeable local lenders
  • One efficient loan closing
  • One set of closing costs
  • Funds available during construction period
  • Interest-only payments during the construction phase
To get started, contact your banker today!

Wilson Bank is a full-service financial institution with branches throughout Middle Tennessee. Experience the difference with Middle Tennessee’s Community Bank™.