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Build or Renovate

Helping you make it happen.

Building or renovating a home can be both demanding and exciting, but we’re here to simplify the process. Our Home Loan Experts can help you with local decisions, underwriting, and exceptional personal service every step of the way. Our construction loan program features products to fit any need, paving the way for a smooth and hassle-free building project.

Apply Now Find an Expert See Rates

 

Construction, Home Improvement,
or Renovation

Rally Credit Union

Terms

  • Construction and permanent rates are locked up front
  • If you own the land/lot, the equity can be used to cover your 10% down payment
  • Fixed loan rates and terms

Rally Credit Union

Benefits

  • Less fees
  • Less paperwork
  • Only go to the closing table once
  • Low permanent rate from the start

 

Manage Your Construction Loan

We’ve teamed up with Land Gorilla to bring you OneSite. It’s your go-to hub for keeping your construction loan and project moving. Track disbursements to your builder, check your progress and stay on top of it all in one easy spot.

With OneSite, you can:

  • Request and track disbursements to your builder in real time
  • Monitor inspections and disbursement history
  • Submit documents online or via mobile
  • Stay connected with your Rally loan expert
  • Get support when you need it

 

Have questions about your construction loan?

Email Us

Here's what you'll need

All applicants must provide:

  • Filed Tax Returns (1040) - W2/1099 for the two most recent years
  • Bank Statements for the two most recent months
  • Copy of Government Issued ID
  • Proof of Income, see table
Income Type Documents
Standard Employment
  • Pay stubs for the last 30 days
Self-Employed
  • Filed federal business tax returns (Form 1065, 1120 or 1120-S) for the two most recent years
  • Year-to-date profit and loss for each business
Retirement, Pension, Disability
  • Retirement, pension or disability award letter

We're Here to Help

New Home Loan Inquiries: Call 1-800-622-3631 and press 5, then 2
Existing Home Loans: Call 1-866-840-4152
Home Loan Payoff Requests: Call 1-866-840-4152

All loans are subject to credit application, qualification and approval. Must qualify for membership.