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Construction Loans

Build your dream home with a Lot Loan or a One-Time Close Construction Loan—two ways to make the dream real.

Find construction financing here for a residential lot purchase, a single-close loan or a fixed-rate conversion.

Get ready to build that perfect home with a Construction Loan from Amegy Bank. Single-Close Loans cover your lot purchase, construction and permanent financing.  And Lot Loans help you purchase improved land to build a primary or second residence.

Get a loan that’s built for flexibility

Advantages

  • One-Time Close New Home Construction Loans.
  • Include the lot purchase, construction costs and a permanent loan.
  • Require only one set of closing costs and loan documents.
  • Residential Lot Loans.
  • Finance up to 65% of the purchase cost of improved land.
  • Are ideal for constructing a primary residence or second home.
  • Allow you to buy a lot even if you are not ready to build.
  • Give you time to find a builder and complete your plans.
Things to think about

Considerations

  • One-Time Close Loans are available for construction or major remodeling.
  • These loans feature a low fixed rate during the construction period.
  • Low down payment options are available.
  • There is no maximum construction loan amount.
  • The initial construction phase has one extension available.
  • Construction disbursements to builder are processed by Amegy Bank.

Let us help you build a better home for tomorrow.

Consult a Mortgage Loan Officer

We’re proud of our history of investing in communities and client relationships. Our residential mortgage team works closely with you to assess your needs and offer the loan that will work for you.

Own Your Home Twice as Fast

You’ll pay a bit more every month, but a short-term Fixed-Rate Mortgage can cut in half the amount of time it takes to own your home. Contact a banker for more details.

Use Relationship Pricing To Pay Less

Relationship Pricing is available on new adjustable rate mortgages only. Applicable for new or existing Amegy Bank deposit and/or wealth balances totaling a minimum of $250,000. Zions Direct accounts, business operating accounts, and CDs are ineligible products for meeting the balance requirement. Relationship Pricing program is subject to change at any time.

Put 20% Down to Avoid PMI

With a conventional mortgage, you may need to purchase and pay for Private Mortgage Insurance (PMI) if your down payment is below 20% of the sales price. Bottom line? It helps to have 20% down when you buy.

Apply today for your home loan.

It only takes about 15 minutes to apply using this application. Be ready with: Social Security Number and date of birth (borrower and co-borrower), home address and phone number (mailing address if different from home), previous address (if at residence less than 2 years) and gross monthly income.  



Contact Us

Mortgage Services

800-727-8893

Make Appointment

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Visit a Branch

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You're about to leave Amegy Bank's website and be directed to a website that is not affiliated with Zions Bancorporation, N.A. dba Amegy Bank and may have a different privacy policy and level of security. Zions Bancorporation, N.A. is not responsible for, and does not endorse or guarantee, the privacy policy, security, accuracy, or performance of the third party’s website, or the information, products, or services that are expressed or offered on that website.

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You're about to leave Amegy Bank's website and be directed to a website that is not affiliated with Zions Bancorporation, N.A. dba Amegy Bank and may have a different privacy policy and level of security. Zions Bancorporation, N.A. is not responsible for, and does not endorse or guarantee, the privacy policy, security, accuracy, or performance of the third party’s website, or the information, products, or services that are expressed or offered on that website.

Warning: you’re about to leave!

You're about to leave Amegy Bank's website and be directed to a website that is not affiliated with Zions Bancorporation, N.A. dba Amegy Bank and may have a different privacy policy and level of security. Zions Bancorporation, N.A. is not responsible for, and does not endorse or guarantee, the privacy policy, security, accuracy, or performance of the third party’s website, or the information, products, or services that are expressed or offered on that website.

Warning: you’re about to leave!

You're about to leave Amegy Bank's website and be directed to a website that is not affiliated with Zions Bancorporation, N.A. dba Amegy Bank and may have a different privacy policy and level of security. Zions Bancorporation, N.A. is not responsible for, and does not endorse or guarantee, the privacy policy, security, accuracy, or performance of the third party’s website, or the information, products, or services that are expressed or offered on that website.