Land and Construction Loans

Buy the perfect plot of land or start working on the blueprints with your contractor to break ground with a construction loan.

One application. One closing. All-in-one financing for construction to home mortgage.

Underwriting and decisions by local lenders who live and work in your community.

Fast, efficient construction draw processing, working with a team who knows you by name.

{beginAccordions}

Our emphasis is not making a loan, but on creating a relationship.
- Friendly, attentive service from application, to lot* or land purchase and through the build process.
- Repayment terms are designed around your unique circumstances.
- Decision-making and processing are handled right here in Colorado.
- We also offer construction loans exclusively for the building phase.

*Maximum loan-to-value ratio of 75% on improved lots.

Just like our approach to lot and land loans, we believe creating a relationship is more important than just lending money.
- Our friendly, Colorado-based officers, decision-makers and processors work to understand your individual needs.
- We can offer both straight construction lines of credit and one-time close loans, depending on what will work best for you.
Construction draws are based on work completed. Alpine Bank works very quickly to get contractors paid throughout the process—often with even same day payments—so your project stays on time and on budget.
Payments are interest-only until the project is done, and are made only on what you've drawn.
Then, when the building is completed we convert your loan to a permanent mortgage with favorable terms.

{endAccordions}