Construction Lending

Citizens Private Bank® is a premier provider of customized construction financing options for large scale luxury homes that are either shovel-ready or still in the planning stages. These include:

Acquisition-to-construction-to-permanent

Designed for the purchase of land or home with a single close loan. Can be used for primary, secondary or investment homes.

Construction-to-permanent

Used to fund the repayment of existing debt with a single close loan.

Interest-only during construction

For loan funds that have been advanced to date.

Ground-up construction

Ideal for new builds, as well as the renovation and expansion of existing properties.

Additional financing solutions

Other types of non-owner-occupied construction financing may be available, such as spec homes, multifamily rental, condo and mixed use.

Our seasoned team leverages decades of construction lending expertise to deliver the holistic, hands-on support you need.

Single Point of Contact

Keep the same primary point of contact from loan inception to project completion.

Early Preapproval

Expedite the review process.

Flexible Rates

Lock rates** at preapproval or float them until your file is ready for approval.

Tailored Resources

Access custom resources like our Construction-to-Permanent Financing brochure.

Don’t see your market? Citizens Private Bank® works with a broader range of markets than listed here. Contact your relationship management team to find out if we serve yours.