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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


  • 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


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

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
  • 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.