Construction Loans

Construction Loans for
Custom Home Builds           

Embarking on the journey to build a custom home means you will be able to customize every feature and finish of your new home to your personal specifications, the process comes with a multitude of decisions to be made. Let The Private Bank at Commerce Trust provide the financing you need for your custom home project with the personalized service you desire for a smooth financing process.

Construction Loans

Working with a Commerce Trust Private Banking Relationship Manager for a construction loan provides the following benefits:

  • A single point-of-contact to coordinate the construction process financing between the builder, subcontractors and the title company
  • The ability to lock in your end loan interest rate prior to the start of construction
  • The convenience of your Private Banking Relationship Manager to coordinate construction advances on your behalf
  • Personal service from Commerce Trust for the life of your loan, because it will never be sold

Image of outdoor pathway surrounding large house with green vines and purple sunset.

Strategic borrowing can play an integral role in allowing homeowners to build, buy, or refinance a residential property. Preserve your liquidity with our tailored lending solutions.

Architect looking over blueprints at home construction site

You’ve always wanted to build a custom home on that perfect piece of property — a house that reflects your taste and unique desires down to the last detail. If you’re up for the challenge and ready for an adventure, “homesteading” from scratch on a piece of undeveloped land can be the experience of a lifetime

Beautiful view of reclined lounger chairs with table wine glasses and wine bottle by swimming pool and Tampa Bay at sunset

Is now the time for you to buy a second home – not only for your family’s use and pleasure, but also for the enjoyment of renters who will help generate a source of additional income?

*The Private Bank at Commerce Trust supports the markets and communities within our geographic regions and reserves the right to limit the geographic area in which loans will be made. The Private Bank at Commerce Trust does not lend in Maryland.


The Private Bank at Commerce Trust is a business unit of Commerce Trust, a division of Commerce Bank, Member FDIC.

Commerce does not provide tax advice or legal advice to customers. Consult a tax specialist regarding tax implications related to any product and specific financial situation. 

Request a call from a Private Banking Relationship Manager to discuss your construction loan options.

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