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Construction Mortgage

Let's make your dream home a reality. The foundation is a Construction Mortgage from your neighbors at Citizens & Northern Bank.

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Home Construction Loans in PA and NY

  • Variety and flexibility
    Choose from multiple mortgage options and terms.
  • Select your rate
    Competitive fixed and adjustable rates fit your budget.
  • Simplified closings
    We make it easy for you to get the mortgage you need.
  • Payment options
    Choose between monthly and bi-monthly payments.

Here's the blueprint

Building your own home is one of the most exciting and fulfilling projects you can undertake. We'll lend a hand with a Construction Mortgage tailored to fit your needs and budget so you can break ground knowing all financing is in place.

  • Single closing option* allows you to close before construction begins followed by simple conversion into permanent financing
  • Interest-only payments available during the construction phase
  • One set of closing costs with no additional fees at time of conversion
  • We offer a Bridge or Blanket mortgage, based on your home's equity, to begin building your new home before selling your existing one

Ready to talk about your Construction Mortgage options? Contact our PA and NY mortgage lenders today.

* Subject To Credit Approval. Single close option is subject to down payment requirements.