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All-In-One Construction Loan

w/ Mandy Kuipers

A great construction build starts with great financing that can save you time and money. American Bank & Trust is now offering an easier way to finance your dream home with our new All-In-One Construction Loan!


This seamless financing option will tie the lot purchase, construction cost, and home mortgage into one payment. Your interest rate will be locked in during the construction process and will automatically convert to an ARM Loan with the same interest rate to start. This gives you piece of mind knowing what your mortgage payment will be for years to come. All that is left to do is to fill out your application and close once for your new home!


All-In-One Construction Loan Features & Benefits

    • One Appraisal
    • One Closing
    • 12 Month Interest Only Payments During Construction
    • Interest Rate Automatically Converts To ARM Loan After Construction Period
    • Re-Underwritting At Conversion Is Not Needed
    • Finance Up To 85% Of The Total Project Cost Without Mortgage Insurance
    • Can Use Lot Equity Towards Down Payment

All-In-One Construction Loan Qualifications

    • Minimum Credit Score Of 700
    • Property Types Must Meet Eligibility
    • Other Terms & Qualifications May Apply

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Find Your Perfect Mortgage Loan Officer

Mortgage Team – Feb 2023

A great home buying experience starts with great home buying partners. Meet your American Bank & Trust mortgage team and discover an outstanding group that truly lives at the intersection of what if and why not?  With AB&T home loan experts, you’ve got neighbors you can always count on.

Full AB&T Mural

Looking for more information about Home Loans? Visit the South Dakota Housing Development Authority.

Loan rates and terms may vary. All loans subject to credit approval. Contact a banker for further details.

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