Important Details

Home Construction Loans

Are You Ready to Build Your Dream Home? Apply Now

Zions Bank offers a variety of home construction loans1 to help you build a dream home as unique as you are.

One-Time Close New Home Construction Loan

Single-loan closing, including lot purchase, construction and a permanent loan. This means only one set of closing costs and loan documents.

Home Construction Conversion Loan

After completion of construction, this loan offers you the option to convert the loan to a fixed-rate permanent mortgage.

Benefits of Home Construction Loans

  • Available for new home construction or major remodeling projects.
  • Low fixed rate during construction period.
  • Low down payment options available.
  • No maximum construction loan amount.
  • Initial construction phase has one extension available.
  • Interest payments during the construction period can be built into the construction loan amount.
  • Construction disbursements to your builder are processed by Zions Bank.

Fast and Easy

As always, our loan decisions are made locally. This means a faster turn-around time on approvals in both Utah and Idaho so you can get your new home construction loan sooner.

Discover the Best Home Construction Loan
and Rate for Your Dream Home

To learn more about Zions Bank® new home construction loans and get current rates, contact your nearest Zions Bank mortgage loan officer today.

Important Details


1. Subject to credit approval. Terms and conditions apply. NMLS# 467014.
Year Fixed
Rates as of   07/16/2015
*Loans are subject to credit approval, terms and conditions apply. Property must be located in Utah or Idaho, owner-occupied, first lien position. Other programs are available. See a financial representative for details. Rates as of 10/05/2015 and are subject to change without notice. NMLS#467014.
30 Year Fixed 4.151% Annual Percentage Rate (APR) is based on excellent credit history. Estimated payment sample: $200,000 loan amount, 20% down payment with an interest rate of 4.000%, 1% origination fee and $3,989.28 estimated closing costs, amortized over 30 years, which yields 360 monthly principal and interest payments of $954.83. Payment does not include taxes and insurance and your payment may be higher.
Find a Utah/Idaho loan officer near you

Contact a Zions Bank residential lending officer to learn more about Zions Bank home loan services.

Find a loan officer
Find home ownership resources at the Homeowners Cafe

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This page was last modified on Mon Oct 05 16:22:16 MDT 2015