Build A Home
Imagine it. Finance It. Build it.
Building a home starts with the right foundation, including your financing. Sunflower Bank is here to provide knowledgeable guidance, comprehensive loan options and a personal approach that puts your goals first. As a trusted local lender, we’re committed to helping you move forward with confidence, backed by the strength of a relationship that lasts long after closing.
Discover the Benefits of Building Your Home
Building a home empowers you to create a dream space that fits your current lifestyle and can grow with you into the future. From selecting the perfect layout to choosing finishes that reflect your style, the benefits of building go far beyond a fresh coat of paint. Here are just a few reasons people choose to build from the ground up:
Customization – Design a home that’s truly yours, from the floorplan to the fixtures. Building allows you to choose every detail and create a space that suits your style, priorities and way of life.
Energy Efficiency – New construction often includes materials, updated building codes and high-efficiency systems that help lower utility bills and reduce environmental impact.
Financing Options – There are two main ways to finance your construction, a Construction-to-Permanent (CTP) or a Construction-Only loan. A CTP loan rolls the building costs and mortgage into one loan, minimizing your closing costs. A Construction-Only loan requires a refinance to convert the loan into a mortgage.
Resale Value – A newly built home with energy-efficient features, modern design and up-to-date systems can command a higher resale value and attract future buyers.
Low Maintenance – Everything is new, which can mean fewer repairs in the early years.
Location Flexibility – Build where you want, not just where homes are available.
Prepare for Your Homebuilding Journey
Sunflower Bank offers comprehensive loan options, practical tools, helpful resources and expert support to help you plan confidently and make informed choices.
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Homebuying Process
We’re with you every step of the way. We’ll guide you through the homebuying process, from prequalification to loan servicing.
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Loan Options
We have a variety of renovation loan options to match your financial needs. Discover the options available to you.
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Mortgage Calculators
Estimate your monthly payment, determine how much you can afford or see if buying or renting is better with our mortgage calculators.
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Mortgage Education Center
Find a wealth of information in our Mortgage Education Center. From resource articles to FAQs, we’ve got you covered.
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FAQs: What to Know When Building A Home
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A construction loan pays out to the builder or contractor in phases as the project progresses rather than paying funds directly to the borrower. This phased disbursement helps ensure financing and construction are moving forward as planned. After completion, your loan can be converted to a mortgage of your choosing.
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Most notably, construction loans are short-term and paid out in stages based on project milestones while a traditional mortgage provides full funding upfront with longer repayment terms. Interest payments and loan requirements can also differ between the two loan types.
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Just like a Conventional Mortgage, you should be pre-qualified before speaking with a builder, so they know what your budget, land and zoning restrictions look like for the entire planning process. This way you have the confidence that the discussions, plans and home you want are all within the realm of possibility.
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In some cases, you will. There are two main ways to get financing for the construction of your dream home.
- A Construction-to-Permanent (CTP) loan rolls the building costs into one closing, saving time, money and paperwork.
- A Construction-Only loan requires a refinance at the end of the project to transfer the loan into a mortgage.
Sunflower Bank offers both CTP and Construction-Only loan options. Speak to a mortgage loan originator to discuss which option best suits your needs.
Get Started
Take the first steps toward building the home of your dreams with a lender you can trust. We’re here to help you move forward with confidence. Connect with a local Sunflower Bank expert today. Together, we’ll make your homeownership dreams a reality.
Consult your mortgage loan originator for details. Certain terms and restrictions apply. Program available only to qualified borrowers. Program subject to change without notice. Underwriting terms and conditions apply. Loan subject to credit review and approval. This is not an offer for extension of credit or a commitment to lend.