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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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Mortgage

Mortgage

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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Build Your Dream Home with a Construction Loan

Having your next home in Georgia custom built with a BankSouth construction loan is closer than you think.

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Construction loans in Georgia

Building a home is one of the most exciting yet intimidating projects you’ll ever experience; the construction loan and assembly of a new home from the ground up in Georgia entails thousands of details, numerous decisions, and multiple 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.

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construction loan in georgia and south carolina

More than a construction loan lender

We help from the first conceptual drawing and blueprint through the foundation, framing, and finishing with our construction loan management team. 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 home’s construction progresses. When you wrap up construction, your Relationship Manager will guide you into a permanent mortgage that meets your needs perfectly.

Why build with BankSouth?

  • Local service and decision making
  • Over 75 years of construction lending experience
  • Experts in construction loan management
  • Leading construction management technology
  • Multiple financing options from lot-only loans to permanent mortgages

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The tools you need to manage your construction loan

Manage your construction loan, 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 new home construction is complete. Replace spreadsheets and manual formulas with our cutting-edge technology to stay on top of your construction and construction loan. BankLabs is a useful online tool to help you keep track of your home’s progress by requesting draws, viewing inspections, and receiving alerts.

Vidyard Video
construction loan

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

BankSouth Customer Stories

Vidyard Video
BankSouth Construction Financing: The Spears pt. 1:
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.
3:59
Vidyard Video
BankSouth Construction Financing: The Spears pt. 2:
The walls are up, roof is on, driveway is poured, and the Spears are getting excited! See how their new family's custom home construction and financing are progressing.
3:48
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.
3:45
Vidyard Video
BankSouth Construction Financing: The Herrera Family pt. 2:
The Herreras are back to give us an update on the next phase of their custom home construction build, share some of the challenges they have faced since we last saw them, and how BankSouth was there to help.
4:00
Vidyard Video
BankSouth Construction Financing: The Herrera Family pt. 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.
3:08
Vidyard Video
How it Gets Done: BankLabs:
Learn how BankSouth can help you manage your construction project through our BankLabs tool from anywhere. Easily request withdrawals, track construction progress, view inspections, and more.
1:43

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We specialize in financing & managing custom home builds

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 management.

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Lot and Land Loans

Construction Loans

Renovation Loans

Tell us about your construction plans.

Have questions about construction loans?

We have answers. Here are the top questions we get asked in connection to construction loans and we put them in one helpful article.

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Staying put? Remodel with a renovation loan.

Make your current home your dream home. Tap into the equity of your home or obtain a new loan to pay for your additions or renovations. BankSouth offers a variety of financing tools to help you achieve your goal. A conversation with one of our financing professionals is all it takes to get started.

Update with a Renovation Loan

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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, 2012-2021, Lake Oconee Breeze)

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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 something great together.

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