Start building now with a Construction Loan
Whether you’re building your home from the ground up or planning a major renovation, our experienced team can help you make it happen.
![](https://www.arizonafinancial.org/hubfs/newhomewood.jpg)
Construction Loan &
Lot Loan Options
![newhomesbuilt2](https://www.arizonafinancial.org/hs-fs/hubfs/newhomesbuilt2.jpg?width=576&height=864&name=newhomesbuilt2.jpg)
If you have your sights set on a piece of land but you aren't ready to build, or if you found the perfect location but you'll either need to remodel/renovate the existing home or tear it down and start from scratch, our Construction Loans can finance your next steps.
With our convenient one-time close, get your financing taken care of for every stage of your project all at once!
- Adjustable rate loans with an initial fixed-rate period of up to 10 years
- Fixed rate loans up to 30 years
- Construction Loan Specialists to help you every step of the way
Start Here:
![home under construction with a construction loan](https://www.arizonafinancial.org/hs-fs/hubfs/3-Home-Construction-On-Lot-Loan.jpg?width=525&height=526&name=3-Home-Construction-On-Lot-Loan.jpg)
Construction Loan
Features & Benefits
Save time and money with one loan application for both the construction phase and financing at completion.
Our Construction product is an adjustable rate loan featuring an initial fixed-rate period of up to 10 years.
Speed matters when it comes to financing. Our local team of experts makes sure no time is wasted.
Although a construction timeline, plans, and estimated budget are required, there is no firm construction schedule required.
![brick home being built with a construction loan](https://www.arizonafinancial.org/hs-fs/hubfs/4-Home-Being-Constructed-With-Loan.jpg?width=1025&height=1027&name=4-Home-Being-Constructed-With-Loan.jpg)
Buy Your Dream Lot With a Construction Loan
If you found the perfect lot but aren't ready to start building just yet, our Construction Loans can cover you until you're ready to break ground.
- Loans for when you’ve found a lot but aren’t ready for construction.
- Discount on your construction loan with a previous Arizona Financial lot loan.
For more information, please contact one of our Construction Loan Specialists.
Construction Loans: Start Over or Begin Renovations
Arizona Financial's construction loans can help you complete the renovation of your dreams no matter how big or small your project may be. Found the perfect property? Make your dream home happen.
- Found the perfect location, but not the perfect house?
- Family outgrown the house, but not the neighborhood?
- Family moving back in and need a bigger space?
For more information, please contact one of our Construction Loan Specialists.
![man and woman representing a couple discussing a loan for home renovations](https://www.arizonafinancial.org/hs-fs/hubfs/5-Couple-Remodeling-Home-Loan.jpg?width=525&height=526&name=5-Couple-Remodeling-Home-Loan.jpg)
Turn Dreams Into Reality
We'll help you from the ground up
![1-House-Under-Construction-With-Pool](https://www.arizonafinancial.org/hs-fs/hubfs/1-House-Under-Construction-With-Pool.jpg?width=525&height=526&name=1-House-Under-Construction-With-Pool.jpg)
Construction Loans
Inside the Guide
Download our in-depth Construction Loan guide for a start-to-finish blueprint for financing your dream home.
- How to finance your project
- Considerations when choosing a builder
- Understanding draw schedules
![Scott-Kerbaugh](https://www.arizonafinancial.org/hs-fs/hubfs/Scott-Kerbaugh.jpg?width=800&height=800&name=Scott-Kerbaugh.jpg)
Scott Kerbaugh was the best we've worked with. He made us feel like family and really listened and cared about our loan needs and situation. He worked hard on our behalf and was very supportive throughout the entire process. He was very accessible, even after hours or on weekends when we needed a question answered. Scott is the best!! Thank you!
![Ryan-Jones](https://www.arizonafinancial.org/hs-fs/hubfs/Ryan-Jones.jpg?width=800&height=800&name=Ryan-Jones.jpg)
Ryan did a great job explaining what and why things were needed. He made himself available to talk via phone when needed. He did a great job following up and sending "reminders" of things needed.
![Thad Flores](https://www.arizonafinancial.org/hs-fs/hubfs/Bryan-Flores.jpg?width=800&height=800&name=Bryan-Flores.jpg)
Working with Thad on our construction loan was wonderful. Thad was extremely helpful and helped us stay focused along the way. He is a great asset to Arizona Financial. We are so grateful to have had the chance to work with him, and we are also grateful for Arizona Financial.
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