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Construction Loan

You’re not just building a home; you’re building future memories and experiences for your family. Get started with a home construction loan today.

What is a Home Construction Loan?


A home construction loan lasts for a maximum of 12 months and you are given a line of credit up to a specified limit. You submit “draw requests” to OKCU, and only pay interest as you go. Once your house construction is complete, you will transition to a permanent mortgage.

Meet the Home Loan Team

The OKCU team is Happy to Help® you find the right home loan whether it’s your first time to buy a home or you’re a seasoned pro.

Experience Less Stress


Here are some reasons a construction loan is right for you.

Minimum credit score of 700
Max loan to value of 90%
Personalized process

You will have a dedicated home loan officer throughout the entire process

Competitive home loan rates

We’ll Run the Numbers for You for Free

If you’re a numbers person, we’ll help you nerd out. Schedule an appointment to run the numbers to see what home loan options you have.

Happy to Help

OKCU did a flawless job on our home loan. They walked us through every step of the process and made sure we had everything we needed to close promptly and without a hiccup.
OKCU has helped me keep everything going smoothly with my mortgage. OKCU just makes my life easier.
Absolutely wonderful experience with my loan. Competitive rate, complete transparency, availability to answer questions, no pressure tactics.
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Average Closing Time
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OKCU Real Estate Team Experience