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“Have your eye on the perfect piece of undeveloped property? Snap up your dream property before prices rise with a land loan from TVFCU. Learn More”

“Proof of further savings to cover cost overruns or unexpected expenses during construction.”

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“Step 1 - Meet our mortgage team and apply today. Submit details of your proposed construction project. Including a builder’s contract.”

“Step 2 - We’ll process your construction loan application. We’ll review the plans, specs, materials, and budget submitted by your builder, as well as your personal financial information.”

“Step 3 - Close Your Loan Lock in a rate for both the construction and permanent phases of your project and close on your loan. You and your builder will soon receive a welcome call introducing you to our construction lending team.”

“We’re making homeownership easier for all of us! We’ll cover your entire home appraisal fee, saving you over $600. Here’s how it works: Purchase transaction resulting in new money to TVFCU in the amount of $25,000 or greater. Refinance of a mortgage with another institution, resulting in new money to TVFCU in the amount of $25,000 or greater. Refinance of an existing TVFCU mortgage, resulting in new money to TVFCU in the amount of $25,000 or greater. Offer valid as of January 1, 2026, subject to change. Some exclusions apply. Offer valid on portfolio loans only. Apply Now”

“TVFCU requires interest-only payments on the amount you borrow during the construction, or draw, phase of your loan. Note that interest-only monthly payments will still increase as you borrow more money with each draw, unless you are able to make significant repayments of your principal during the construction phase. Construction cost overruns or unexpected expenses may need to be paid out of pocket. Once construction is complete, you will need to make payments on both your loan principal and the accumulating interest charged to your fixed-rate loan.”

“Choose the No. 1 mortgage lender in the Chattanooga area! TVFCU’s loan officer team offers years of local experience with both construction and conventional mortgages in our neighborhoods. We understand Chattanooga, we understand construction, and we’re with you every step of the way on your journey from buyer to builder to happy homeowner. Rather than working with a big commercial bank that does not understand your needs, keep your home loan local and enjoy superior hometown service for all aspects of your construction project!”

“Loans for house construction can be denied for several reasons. Common factors why construction-to-permanent loan lenders may deny funding include: Credit and debt issues. Lenders typically want stronger credit and a manageable debt-to-income ratio. Lack of income stability. You must show steady income and the ability to manage your payments during construction and once full payments are due under your fixed-rate permanent loan. Insufficient down payment or reserves. You may not have the funds required to cover the down payment for which you qualify. You may also need cash reserves for overruns and unexpected costs. Incomplete plans or an underqualified builder. You need to provide detailed plans, a realistic budget and timeline, and work with a licensed builder that your lender approves. Appraisal issues. Your proposed home must appraise at a completed value in line with house values in the area you are building in. If it appraises low or the comparative values are weak, you may need to provide more cash or plan a smaller project.”

“Construction Loans”

“Personal Financial Statement Business Financial Statement All loans are subject to credit approval.”

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“Construction Loans”

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“We have several business loan types for you. See Lending Options”

“With more than 100 years of banking experience under our belts, we’ve learned a few things about banking the right way. And we’ll still be here when you need us most. If you’d like to find out more about Texana’s commercial real estate loans, call us at (903) 334-0900, or stop by a branch today.”

“Construction Loans”

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“We have the Resources. Our SBA loan specialists are ready to help you expand your existing business or start a new one. Call us today! Learn More”

“Lean on us for growth with SBA, agriculture, and other tailored business loans. Learn More”

“Commercial Construction Loans”