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.

CONSTRUCTION LOAN COSTS INCLUDED BUT NOT LIMITED TO:

  • 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.

APPLICATION AND DOWNLOADABLE PACKAGE

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 tax returns with W-2’s and supporting schedules (3 years of tax returns if self-employed)
  • 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


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:

  • H. Carter Leak, IV: 1255182
  • Janis J. Crutchfield: 512583
  • Kellye F. Cornette: 512288
  • Melvin S. Harvey, Jr.: 517218
  • Aimee Cook: 1658275
  • Douglas Dupont: 1325487

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

V.P. Commercial and Mortgage Lending

Melvin Harvey, Jr.

V.P. Commercial Lending

Carter Leak, IV

President and CEO, Commercial Lending

Kellye Cornette

V.P. Mortgage Lending