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Construction Loan

If you're looking to build your home, we'll help you lay the strongest financial foundation possible.

A Construction Loan, also known as a residential construction loan, is a mortgage loan that funds the building of a new home or residence. The construction loan is closed for the total loan amount, and the funds are paid out over a period of time as the home or residence is completed.

Key Benefits

  • Available for the construction of your primary residence
  • Fixed rate and ARM loans available*
  • Conforming and Jumbo Loan amounts available
  • One-time closing fee with only one set of closing costs
  • Interest-only payments during construction*


  • You're planning to build a new home or residence

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*After the initial fixed-rate period, your interest rate can increase or decrease annually. Therefore, it is possible the monthly payment can increase substantially over the remaining term of the loan.

Loans are subject to credit review and approval. Fifth Third Mortgage Company, 5001 Kingsley Drive, Cincinnati, OH 45227, 1-877-841-7511, an Illinois Residential Mortgage Licensee, License No. MB 0005994, Illinois Commissioner of Banks and Real Estate, 122 S. Michigan Ave., 19th Floor, Chicago, IL 60603, (312) 793-3000. Fifth Third Mortgage Company d/b/a Fifth Third Mortgage Company Incorporated and licensed by the New Hampshire banking department, licensed by the N.J. Department of Banking and Insurances and the California Department of Business Oversight under the California Residential Mortgage Lending Act. Fifth Third Mortgage is the trade name used by the Fifth Third Mortgage Company (NMLS #134100) and Fifth Third Mortgage-MI, LLC (#447141). Fifth Third Bank, Member FDIC, Equal Housing Lender Equal Housing Lender.