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“When financing property, access to experienced lenders matters. With F&M Bank, you work directly with professionals who understand the local business environment and value long-term relationships. You can expect:”

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Other Business Services Built for Business From checking accounts to business loans, we’re here to help your business grow. Fibre Family About Us About Us Our Story Our History Member Benefits Member Value Report Career Opportunities Locations & Hours Supervisory Committee Annual Report Resources Resources News and Community Community Commitment Scholarships Financial Wellness and Education GreenPath Financial Wellness Zogo Financial Education Financial Wellness Blog Fraud Prevention Brochures & Videos Join the Fibre Family Enjoy the benefits of Membership! Routing Number: 323380766 Copy Help Help Contact Us Contact Us Locations & Hours Locations & Hours Rates Rates Servicios Login User Name Password Forgot Enroll in Online Banking Download our mobile app App Store Google Play Close Online Banking Join div" data-cycle-prev=".cycle-prev a" data-cycle-next=".cycle-next a" data-cycle-pager-template=" " data-pause-type="inline" data-cycle-log="false"> Appraisal? That's on us! For a limited time, we'll credit your appraisal cost at the closing of your qualifying loan to purchase or refi your home up to $1,000!* Learn More 2027 Member Calendar Contest We're holding our 14th annual member photography contest to select photos for our 2027 member calendar. Learn More Refi Your Ride, Reward Your Walle”

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“Fifth District can provide financing through a one-closing construction loan which will save you time and money. This type of loan features low closing costs that are paid only once and a locked-in interest rate at application, for both the construction and permanent portion of the loan. Follow these easy steps to build the home of your dreams. Step 1 Arrange a pre-qualification meeting with a Fifth District construction loan specialist. Call 504-363-6505 or email loan@fifthdistrict.com . Step 2 Finalize home site selection, house plan design, and contract negotiations with your builder. We will need a copy of your building contract signed by a Louisiana licensed residential contractor and 2 sets of plans and specifications at the time of loan application. Step 3 Loan application, processing, and closing - Fifth District will take and process your loan application. During this process, we will order an appraisal based on your building plans and contract. We will also verify your income and assets. Upon loan approval, we will set the loan for closing. This process typically takes 30 days. Step 4 Once the loan is closed, construction can begin. Fifth District uses a 5 draw payment system which allows for periodic payments at various stages of completed construction. During the construction period, interest and escrow payments will be required. The typical construction period is 12 months. The loan will convert to a permanent loan after 12 months and the full principal and interest payments will be required. As always, Fifth District allows you the freedom to apply additional funds to the principal of your loan. By applying additional funds during the construction period, your loan will convert at a lower principal balance and payments can be re-amortized at conversion, thereby lowering your monthly payment. Additional principal payments made after conversion will also lower your balance which can be re-amortized for your convenience. *Terms and conditions of our construction loan program are subject to change without notice. Stop by one of our offices for more information! Call 504-363-6505 for current rates. NMLS#609001 Explore our loan calculators and other tools to estimate your payments, and more. View Our Calculators PAY NOW Locations & Hours Back to the top Fifth District Savings Bank 4000 General DeGaulle Drive New Orleans, LA 70114 504-362-7544 About Us Locations & Hours About Us Contact Us Resources Online Safety Calculators Our Rates Legal Privacy Policy USA PATRIOT Act Terms & Conditions Facebook © Fifth District Savings Bank Member FDIC Equal Housing Lender”

“Construction Loans”

“From complex construction financing to specialized lending with capital markets expertise and sophisticated commercial payments solutions , our teams are ready to get to work on your next project. Our dedicated real estate capabilities can help you: Optimize capital structure to balance financial risk and return Manage financial risk through hedging strategies 1 Enhance your efficiency and profitability Maximize your company’s working capital Plan for your company’s ownership transition”

“Metals, Materials & Construction”

“With almost $15B in commercial real estate commitments, Fifth Third Commercial Real Estate has long-standing relationships and deep expertise when it comes to understanding positioning, trends, and the unique story behind each property. For your commercial real estate needs, contact John Hein, Head of Commercial Real Estate, Senior Vice President at 312-704-2997 / John.Hein@53.com .”

“Our national public real estate group partners with sponsors, who source equity capital in the publicly-traded markets, through institutional investors or through broker-dealer networks. We serve all capital needs of REITs, REOCs, pension fund advisors, fund sponsors, merchant builders and real estate management companies.”

“Our home builder team supports publically-traded and large, privately-owned home building companies in the areas of acquisition, development and construction of for-sale residential real estate assets.”

“Deposit and credit products offered by Fifth Third Bank. Member FDIC. Equal Housing Lender. Nothing herein should be construed as legal, tax, or accounting advice, nor a commitment to extend financing.”

“We support a variety of services for businesses looking to improve multiple aspects of their finances through the convenience of one bank that you can value and trust. Explore all that Fifth Third Commercial Banking has to offer. Learn More”

“Whether yours is a publicly-traded company or a privately-owned one, we take the time to understand the intricate details of your commercial real estate business. Then, we tailor our comprehensive credit, capital markets, and commercial payments solutions to your specific needs.”

“Our tax credit team works with developers and intermediaries on community development real-estate projects that receive Low Income Housing Tax Credits (LIHTCs), Historic Tax Credits (HTCs), New Market Tax Credits (NMTCs), and other economic incentives. Fifth Third Bank can provide seamless debt and equity financing solutions for your tax credit project.”

“Commercial Real Estate FAQs”

“Attractive rates, flexible terms. Cross-collateralizations with equity on another piece of your real estate to help with your down payment. All underwriting is done in-house. For construction projects, all construction inspections are done by an independent inspector monthly. Most approvals can be done via email. Tech-driven banking to manage your account, payments, and draws online. Get Started Today”

“At FinWise Bank, we understand how you like to work. We bring a fast, no-nonsense, get it done attitude – just like you. When you need financing for your next commercial real estate project or property, our team will work with you to find the right solution and quickly get the funds you need.”

“You want to purchase commercial real estate, improved, and unimproved lots in Utah. Your credit score is greater than 660. You can demonstrate year-to-date income verification with profit and loss statements and provide balance sheet statements. Your previous two years’ tax returns are available.”

“Commercial Real Estate FAQs Which documents do I need to move forward through the loan process? Provide balance sheet statements for your year-to-date income verification with profit and loss statements. You will also need the previous two years’ tax returns. How long does the application to approval process take? Typically, one week based upon all documents received. After I’m approved for my loan, how long will it take to close? We order appraisals and title work immediately, so the close timeframe is between 2-3 weeks after final approval. No questions matching current filter”

“When you have a last-minute invoice or you pre-paid for an item and need the money back for cash flow, submit a draw request to us, and we’ll provide a last-minute check. In addition, if it’s a construction project, we file with the state construction registry right away for our customers to review any existing property liens and help improve your construction loan timing. As a result, draws happen faster for contractors and subcontractors.”

“Which documents do I need to move forward through the loan process? Provide balance sheet statements for your year-to-date income verification with profit and loss statements. You will also need the previous two years’ tax returns.”

“Experienced team with in-depth knowledge of real estate and commercial lending Innovative solutions customized to your needs Personalized, responsive customer service Technology enabled model offers lending nationwide Contact Us By submitting this form, you consent to being contacted by FinWise Bank via email or phone regarding your request. Your information will be handled in accordance with our Privacy Policy. “ FinWise Bank is a great bank. I use them every time to get my customer loans. Their loan application is very simple. They respond in a very short time and Glen always is available to help with any problem. Great company. John S. Retail Lending Program | source: Google reviews “ I've been banking here for almost 20-years. They have been awesome over the years. Thank you for always taking care of me!!!! Ken A. Branch Customer | source: Google reviews “ Working with Finwise has been a great experience. All of the employees that I have had the pleasure of interacting with have been more than willing to go above and beyond to help me out and make sure I have everything I need. Tyler W. Branch Customer | source: Google reviews “ I just started with a loan from this Bank. It was a very easy process . They were available for my questions and were clear with the terms of the loan. So far I am pleased with them. I would recommend them to get out of debt. Lisa C. Loan Customer | source: BBB “ I have found Finwise and their officers to be a asset in arranging loans for our customers. Many times they went the extra mile to help the whole process work. I would recommend them to all businesses needing their services. Geoffrey W. Retail Lending Program | source: Google reviews”

“You want to purchase commercial real estate, improved, and unimproved lots in Utah.”