Family Trust 2023 Construction Mortgage Loan

We help make things a little easier.

Simple and affordable financing for a new construction home.

When you join Family Trust, you’re not just a member of the credit union, you are an owner. That means we put your interests first, even ahead of our own. It means we are here to help you achieve all of your financial goals. It also means we’re also here to make the daily ins and outs of managing your money easier and more convenient, with fewer fees and restrictions. Every day, in everything we do, your interests come first.

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We're always here for you to help make your life easier.

1. To apply for a Construction Loan, you must be 18. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Rates and terms may vary depending on collateral, loan to value and is subject to change. If adjustable rate mortgage is chosen after construction phase, rates are subject to increase after the initial fixed rate period. Property insurance is required, and flood insurance is required where applicable. Closing costs such as attorney fees, insurance premiums, property taxes and appraisal fees may apply.

2. To apply for a Homestyle® Renovation Mortgage, you must be 18. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Rates and terms may vary depending on collateral, loan to value and is subject to change. For purchases, renovation costs are limited to 75% of the lesser of the purchase price plus renovation costs, or the “as-completed” appraised value and refinances are limited to 75% of the “as-completed” appraised value. See your Lending Consultant for complete terms and conditions. Property insurance is required, and flood insurance is required where applicable. Closing costs such as attorney fees, insurance premiums, property taxes and appraisal fees may apply.

HomeStyle is a registered trademark of Fannie Mae.

3. To apply for a Lot or Land Loan, you must be 18 and have a credit score of at least 660. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Rates and terms may vary depending on the collateral, loan to value and mortgage loan product. Maximum loan-to-value is 80%. Property insurance is required, and flood insurance is required where applicable. Closing costs such as attorney fees, insurance premiums, property taxes and appraisal fees may apply.

The SAFE Act requires a mortgage loan originator to register with the Nationwide Mortgage Licensing System and Registry and provide their Mortgage Loan Originator Identifier number to a consumer when engaging in a mortgage loan transaction. You may obtain information about the Mortgage Loan Originator by accessing the Nationwide Mortgage Licensing System and Registry.

NMLS Identifier Number: 493819

You won't settle for just any house, so why settle for just any loan?

The perfect size, number of bedrooms, a cozy reading nook, and at least a three car garage — or whatever your dream home entails — it can be yours with a construction loan¹ from Family Trust. With competitive interest rates, quick decisions, and local processing — we're here to walk you through the process and stay by your side the whole time. We make it less complicated.

In addition to construction loans, we can provide financing for major renovation projects with our Homestyle® Renovation Mortgage².

We also offer financing for lot and land purchases,³with up to 80% financing and competitive interest rates for eligible land and lot loans. Fixed and adjustable rate terms are available. Apply online now.

Your construction mortgage loan starts here

Make building your dream home an affordable reality.

Simple and affordable financing for a new construction home.

Dave Lyle Branch

1615 Progress Way
Rock Hill, SC 29730
Phone 803-367-4100

White Street Branch & Family Trust Center

225 West White Street
Rock Hill, SC 29730
Phone 803-367-4100

Celanese Branch

South Pointe Branch

2700 Celanese Road
Rock Hill, SC 29732
Phone 803-367-4100

1490 Albright Road
Rock Hill, SC 29730
Phone 803-367-4100

Clover Branch

East York Branch

1690 Old York Road
York, SC 29745
Phone 803-367-4100

1219 Highway 55 East
Clover, SC 29710
Phone 803-367-4100

Fort Mill Branch

430 Mercantile Place
Fort Mill, SC 29715
Phone 803-367-4100