Mortgage
Construction & Lot Loans

When purchasing a home, you may consider building a house from the ground up. This process is rewarding, but you'll need funding and plenty of paperwork to make your vision a reality. Fortunately, Stock Yards Bank & Trust makes the building process smooth with our mortgage loan offerings.

Our Construction and Lot Loans in Kentucky, Ohio, and Indiana

Bringing your dream home to life can be an exciting yet daunting task. At Stock Yards Bank & Trust, we strive to help you enjoy a trouble-free and straightforward building process with our convenient loans. Depending on your situation, you can choose from:

• Construction loans: A construction loan is a short-term, specialty loan designed to cover the costs associated with building a home. It's suitable for those ready to start construction right away with everything in place. You'll make interest-only payments throughout construction, and once construction has finished, you'll refinance the loan into a long-term mortgage. 
• Construction to Permanent Loan:  Combines a construction loan and permanent financing into one transaction, reducing fees as well as providing interest rate security.  You will make interest-only payments through the construction phase and then once construction has finished, you will convert the loan into a long-term mortgage with a fixed interest rate determined before you even begin to build
• Lot loans: Lot loans, or land loans, are used to purchase a plot of land you intend to build your home on or use for business purposes. Lot loans are best for those who are still in the design and detail planning phases, with future plans to utilize the land. You can get three common types — raw land loans, unimproved land loans, and improved land loans.

Why Should You Enroll in a Lot or Construction Loan With Stock Yards Bank & Trust?

If you're looking for construction or lot loans in Kentucky, Indiana, or Ohio, you can trust Stock Yards Bank & Trust to offer solutions you can count on. Since 1904, we have worked hard to provide our clients with personalized solutions that meet their needs, satisfying their financial and home-owning goals.

When you choose Stock Yards Bank & Trust as your loan lender, you'll receive countless advantages, including:

• Effortless digital application process accessible from your tablet, phone, or computer. 
• Knowledgeable loan experts who are passionate about finding the ideal loan for your needs. 
• Useful online calculators to provide you with the information you need to make informed decisions. 
• The best and most competitive rates on loans for lots and construction in Kentucky, Ohio, and Indiana.

Get Started With the Lot and Construction Loan Today

Our team at Stock Yards Bank & Trust is eager to help you bring your dreams of homeownership to fruition with our construction and lot loans in Kentucky, Ohio, or Indiana.

If you're interested in getting lot or construction loans from Stock Yards Bank & Trust, contact our team online today. You can also start your application on our website whenever you're ready. 

Subject to credit approval. Terms and conditions are subject to change.