Construction Loan

Construction Loan

For our customers and their contractors, relationship banking means a smoother construction process. 

Working with a community bank means we can help you creatively fund your projects–without jumping through the hoops.

  • Only pay interest during the construction period.
  • Funds will be advanced as work progresses.
  • Eligible properties include: primary and secondary residence, including investment properties.
  • Must re-qualify for conventional loan once construction is completed.


  • Origination Fee
  • Appraisal Fee
  • Variable Rate (based on WS Journal Prime Rate)
  • Builder's Risk Insurance
  • Flood Insurance (if applicable)
  • Attorney Fees and Title Insurance

Prices vary. Fee estimate given after application is completed.


Don't Forget! DO NOT submit your application and required documents via email. Click the button below to securely send us your sensitive information.

CHECKLIST OF NEEDED DOCUMENTS - fillable form package with more details linked above.

  • Consumer Loan Application
  • Personal Financial Statement
  • E-SIGN Disclosure Agreement
  • Color copy of all Borrower’s/Guarantor’s Driver’s License
  • Last two years of Borrower’s Personal Tax Return with W-2’s and/or last 2 years 1099s and K-1s (3 years if self-employed) 
  • Last two years of Business Tax returns if Borrower owns 25% or more of business (if applicable) 
  • Pre-qualification letter from Permanent Lender 
  • Last two pay stubs (must represent 30 days) 
  • Builder’s Contract 
  • Contractor Profile Report (see attached) 
  • Breakdown of construction costs 
  • Digital copy of plans or blueprints 
  • No Work Affidavit 
  • Name of Attorney or Title Company you would like to use for closing

A Bank of St. Francisville representative will respond to your application submittal within one business day.

Your questions are welcome! Click the button below to make an appointment and talk with a loan officer.

NMLSR Information

The following employees of Bank of St. Francisville (NMLS ID 438247) are registered with the NMLS as Mortgage Loan Officers:

  • Whitney Boyd: 1463945
  • Aimee Cook: 1658275
  • Janis J Crutchfield: 512583
  • Douglas Dupont: 1325487
  • Walker Magruder Field, Jr: 2483217
  • Angelice Fried: 2264922
  • Denise George: 2375124
  • Melvin S Harvey, Jr: 517218
  • H. Carter Leak, IV: 1255182
  • Ricky Sparks: 1702048

Bank of St. Francisville’s lending area includes the West Feliciana, East Feliciana, East Baton Rouge, West Baton Rouge, Pointe Coupee parishes, as well as Wilkinson County in Mississippi.

*For anyone looking to buy, build or refinance a home, we encourage you to make use of the "Home Loan Toolkit" by clicking HERE.

Aimee Cook

Sr VP, Finance and Risk

Melvin Harvey, Jr.

Sr VP, Commercial Lending

Carter Leak, IV

President and CEO, Vice Chairman of the Board