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

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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.

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Lot and construction loans at Lake Oconee

As Lake Oconee’s hometown bank, we’re excited to welcome you to the neighborhood! Connect with us and learn how we can help you build your dream home in Georgia’s Lake Country.

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Helping you build your home at Lake Oconee

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 in the Lake Oconee area, we make the process seamless with our leading technology and experts in construction management.

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Lot and Land Loans

Construction Loans

Permanent Mortgages

Prepare for your move with these helpful tips and resources

Get a head start on the loan and construction process with valuable tips and insight on what to expect when you start your home building process.

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bank south custom home construction financing

We specialize in financing lots and managing custom home builds

Experts in Lending + Construction Management

We’re Lake Oconee’s #1 lender for residential lending. Voted Best Financial Institution by our neighbors in the Lake Oconee Breeze Reader’s Choice Awards; we take pride in helping our neighbors call Georgia’s Lake Country home.

  • Lot loans
  • Construction loans
  • Permanent mortgages

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Words from Our New Neighbors

Hear from BankSouth customers that recently completed their new home build with a construction loan.

After over 20 years of dreaming and a year of construction, the Herreras are finally in their forever home and enjoying all that lake life living has to offer. Hear not just about how much they love their new home, but how BankSouth helped them from breaking ground to the day they got the key to their new home.

Vidyard Video
Home Construction Financing: The Herreras Part 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
Home Construction Financing: The Herreras Part 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.
Vidyard Video
Home Construction Financing: The Herreras Part 3:
We see the completed house the Herreras call home. They give some advice for anyone looking to build, why they trusted BankSouth through the process, and how it made their relationship stronger than ever.

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Get tips for your custom home construction at Lake Oconee

The tools you need

Manage your construction budget, payments and inspections with simplified technology

We make it easy for you to pay your builder or contractors for their work and make draws from your construction loan after each phase of your construction is complete. Replace spreadsheets and manual formulas and with cutting-edge technology to stay on top of your construction and construction loan. BankLabs is a useful online tool to help keep track of your construction by requesting draws, viewing inspections, and receiving alerts.

Vidyard Video

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

Build in Georgia’s Lake Country with BankSouth

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

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