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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.

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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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Building and Remodeling a Home

Build or Remodel, BankSouth is Here

It is one of the most exciting yet intimidating projects you’ll ever experience; the construction of a new home from the ground up entails thousands of details, numerous decisions and dozens of contractors and subcontractors to do their part in making your dream home become a reality. Over the past several decades, BankSouth has perfected the ability to work with our homeowner customers, their builders, realtors and subcontractors to bring it all together.

More than a construction loan

We help from the first conceptual drawing and blueprint through the foundation, framing and finishing with our expert project management. We’ll ensure that you have the best construction loan financing solution to suit your needs and help guide you through every layer of detail as your build project progresses. When you wrap up construction, your Relationship Manager will guide you into the permanent mortgage that meets your needs perfectly.

Connect with a Relationship Manager

Track your custom home build

We use industry-leading software to give you online access to the progress of your build. As each phase is completed, you can approve the next draw against funds to keep the build on schedule

Dedicated team of experts

Our construction financing team of experts work with the inspectors, builders and subcontractors to ensure that draw payments are made in a timely and efficient manner for you, while providing you real-time access to review the progress

Construction-to-perm financing

Once your build is complete, our team of construction financing experts will help you roll all remaining costs into a permanent mortgage to fit your financial needs

construction loan

If you would like to finance your lot, are ready to build or have plans to build,  connect with a Relationship Manager.

What our customers say about BankSouth construction loans

Vidyard Video
BankSouth Construction Financing: The Spears:
BankSouth follows a family in their move from Florida to Lake Oconee. After financing a renovation with BankSouth, The Spears are building a new construction home at Lake Oconee with help from BankSouth.
Vidyard Video
Learn how BankSouth can help you manage your construction project through our BankLabs tool.
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:

personal mortgage

Coldwell Banker Lake Oconee Realty

BankSouth is pleased to work with the Lake Country’s real estate market leader* among all Realtors in the Lake Oconee area.

If you’re looking to find the perfect home for you and your family in the Lake Oconee area, contact the real estate agents at Coldwell Banker Lake Oconee Realty. Home finding, mortgages, and home loans – we’re here to serve all your needs in your home buying process.


( * Reader’s Choice Winner, 2012-2020, Lake Oconee Breeze)

Staying put and remodeling with a HELOC

Love your space and place but looking to expand or renovate? BankSouth offers a variety of financing tools to help you achieve your goal. A conversation with one of our financing professionals can allay your fears.

Tap into the equity of your home or obtain a new loan to pay for your additions or renovations.

Learn About Home Equity Lines

Talk to a Relationship Manager


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

Bank differently. BankSouth.

We’re a bank for your community. We’re digital-forward and people first. We’re built to help you build your dreams. Let’s build together.

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