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Columbia Bank

Construction-to-Permanent Loan

Whether you are building a stick-built or modular home, renovating your current one, or tearing down and starting fresh, it all begins with the right financing. Best of all, you'll save time and money with just one closing and one set of closing costs.

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Construction-to-Permanent Loan

With our Construction-to-Permanent Loan program, you’ll know upfront that the financial aspects of building or renovating a home are in place before you begin.1

Benefits of a Construction-to-Permanent Loan:

Choose The Right Financing

Available for primary or vacation homes, you can choose if a fixed rate or adjustable rate mortgage is right for you

Interest Only Payments

Enjoy the convenience of making interest-only payments on the outstanding balance during the construction phase

No Refinance Needed

No need to refinance once construction is complete

Get Started

Talk to an account executive or easily apply online

Simple Steps To Help You Get Started:

Finalize Plans
Finalize Your Plans

Meet with one of our Account Executives to find the right financing option for you. Once your construction plans and builder contract are finalized, then apply for your loan.

Start Construction 1
Begin Construction

You have finalized the details and signed your loan documents, let the construction begin! Funds are released as you reach different stages of construction.

Enjoy New Home
Enjoy Your New Home

Now that your home is complete, time to start moving in! Your loan will transition to the permanent phase and become a traditional mortgage.

Speak To One of Our Account Executives Today

With all that’s involved in seeing your plans through, we want to make sure your financing is one thing you won’t have to worry about. Let’s talk about your options, so you can find the right home financing to help you reach your goals.


[1] All loans are subject to credit approval.


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Investments are NOT FDIC Insured, not Bank guaranteed, not a deposit, and not insured by any federal government agency. Investments may lose value.

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