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.


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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:

house being built against blue sky background

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.

FAQs: What to Know When Building A Home

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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.


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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.