Residential Construction

Residential Construction - ConstructionLoans-300x200

When you apply for a loan with PointBank, you can rest assured our rates will be competitive and that you will always deal with your local banker – not some lender in another state.

With PointBank you can:

✓ Build a new home

✓ Build an addition to your current home

✓ Make Home improvements

✓ Make Home Repairs

We understand that building a home is a big commitment, so we offer help from our highly experienced team of loan experts who craft the perfect loan for you – no matter what the situation. Take advantage of the expertise and personal customer service to ensure an exceptional lending experience.

Residential Construction Loan Program

$75,000 – $2,000,000


6-12 months

Annual Percentage Rates

4.99% – 6.99%


1% origination and $500 draw fee to be collected from borrower at closing. There are no application or processing fees for mortgage related transactions. Additional Fees may apply.


Secured by a first lien deed of trust and mechanics lien.

Down Payment

15-30% based on credit and cash flow; determined in underwriting

Lending Area

Loans are subject to the bank’s lending area of Denton County and the surrounding counties.


Approved commitment letter Mortgage Title Policy

* Custom interim construction loans may require an acceptable permanent commit- ment letter. Equity can consist of down payment, pledged CD or equity in property.


PointBank’s strong financial foundation provides us with the lending power we need to help you meet all of your loan needs, and with our long history as the expert Denton County community bank, our deep roots in Denton County, and our local decision-making, you will find us to be flexible and responsive to your loan needs. If you have questions or are ready to get the loan process started call, email, or stop by one of our branch locations today.

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