Skip to Main Content
Online Access

Online Access

BankSouth offers immediate and easy access to your mobile and online banking. You can also apply for and review your ReadyLoan mortgage application.

Learn More



For over ten years, BankSouth has helped thousands of families finance their homes.  We know how daunting this may be, but we take the worry and hassle out of the process.

Learn MoreStart Your Application

Athens Home Construction Loans

Whether you’re a current resident or thinking of moving to the Greater Athens area, the classic city is a perfect place to call home. Let our local construction loan experts help you build your dream home.

Get Started

We’re Your Neighbors

Your Neighborhood Construction Loan Lenders

The team members here at the Watkinsville-Athens BankSouth branch are happy to be the first to welcome you to your new hometown of the greater Athens area! Having been around for over 75 years, BankSouth has been privileged to witness the growth and prosperity of this region over time. We are proud supporters of the University of Georgia – as many of the team members are alums – and can’t wait to help you call our home your home.

Connect with Us

construction loan lender in athens ga

Greater Athens Experts in Financing & Managing Construction Loans from Start to Finish

Custom home builds can be stressful and overwhelming. With all the moving parts of the home building process, we make it convenient and hassle-free to finance your home build and manage your construction loan. Whether you’re purchasing a lot, building a home, or both, we make the process seamless with our leading technology and experts in construction loan management.

Connect with Us

Lot and land loans

Construction loans

Permanent financing

What Our Customers Say About BankSouth Custom Home Construction Loans

Vidyard Video
BankSouth Construction Financing: The Spears Family:
Tom and Aline Spears moved from Florida to the Lake Oconee area and selected BankSouth to finance the construction of their home. Watch The Spears talk about why they love Lake Oconee and how BankSouth helped them call Lake Oconee home.
Vidyard Video
BankSouth Construction Financing: The Herrera Family pt. 1:
BankSouth follows a family in their move from metro Atlanta to Lake Oconee. Building on a lot they purchased 20 years ago, Sandy and Diann Herrera walk us through their first custom home build with the help of BankSouth.
Vidyard Video
BankSouth Construction Financing: The Herrera Family pt. 2:
Sandy and Diann are back to give us an update on the next phase of their custom home construction build, some of the challenges they've faced since we last saw them and how BankSouth was there to help.

More Videos:

Experts in Lending + Construction Loan Management

Athens Construction Loan Team

When buying or building a home in Athens, Georgia, it’s important to have someone you can trust to walk you through every step of the process. Our local lenders help you select the right new construction loan for you, and our construction loan management team helps you stay on top of your budget when paying your builder and contractors.

Connect with Us

Get to Know Our Lenders

watkinsville athens georgia community bank banksouth team

Manage Your Loan Budget

The Tools You Need

Manage your construction budget, payments, and inspections with simplified technology.

Your local Athens-Watkinsville lending team makes it easy to stay on top of your construction loan budget and make withdrawals from your construction loan as your new home build progresses. We replace spreadsheets and other manual processes with our state-of-the-art technology to keep up with every aspect of construction. BankLabs will be your one-stop shop for all things related to your new home. You can request draws, view progress inspections and photos, and receive timely alerts.

Vidyard Video

Connect with Us to Learn More About Building in Athens


Credit and collateral are subject to approval. Terms and conditions apply.

Build Your New Home in the Greater Athens Area with BankSouth

Our team of local lenders and area experts are ready to help you call our home your home.

Connect with Us