FDIC-Insured - Backed by the full faith and credit of the U.S. Government
ATTENTION: Planned System Maintenance
| Date | Approximate time frame |
| September 20, 2026 | 12:00 – 6:00 a.m. CT |
This includes the following processes:
CenterVoice (including card activation) will not be available.
Mobile Banking transfers, along with real-time transactions, will not be available. Balances and prior date activity will be available.
CSI Internet Banking transfers, along with real-time transactions, will not be available. Balances and prior date activity will be available.
Third Party Internet Banking providers will not be available during this time.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Big Home Construction
From the first blueprint to the day you turn the key, The Missouri Bank is here to help you build with confidence. Whether you’re ready to break ground or just starting to explore your options, our experienced lenders will guide you through the construction financing process and help you find a loan that fits your plans and budget.
Why Build with The Missouri Bank?Construction Financing With a Hometown Advantage
Building a home is a big investment. You shouldn’t have to navigate the financing process alone. With The Missouri Bank, you’ll work with knowledgeable lenders who understand the construction process and are here to help from application through completion.
What You Can Expect:
Easy Terms & Competitive Rates
Financing options designed to help make building your dream home more manageable.
Easy, In-House Disbursing
Convenient access to construction funds as work progresses, with our in-house team helping keep the process moving.
Knowledgeable, Experienced Lenders
You’ll work with a local lender who understands your project and is available to answer questions along the way.
Help With Permanent Financing
When construction is complete, we can assist you with transitioning your construction loan into a permanent fixed-rate mortgage. Click here for TMB Mortgage Options
At The Missouri Bank you will have an experienced, personal loan officer to answer all your questions and fit your loan to your individual needs. Contact one of our Lending Team members to start the application process today.
You may also download the necessary loan forms needed to proceed with a Construction Loan from The Missouri Bank:
The form may be filled out and emailed to one of our Lending Team members or printed out to be returned to any branch. And remember, when returning the loan forms, please also provide us with the following documentation:
Have questions? Contact your local TMB branch.
We value your time and will try to get your loan processed as quickly as possible!
Home and Plans
We know construction financing can seem complicated. That’s why we break the process into manageable steps and stay by your side along the way.
Step By StepApply for a Loan
Start by meeting with a TMB loan officer to discuss your plans, determine your budget, and explore the construction loan options available to you.
Decision Time
If you haven’t already, now is the time to start putting your plans together. Choose a builder, find your lot if you haven’t purchased one yet, and work on designing your new home.
Loan Approval Process
Once you’re ready to move forward, TMB will gather the information needed for your loan, including your home design specifications, blueprints, and construction cost breakdown. We’ll also order an appraisal as part of the approval process.
Finalize Your Construction Loan
Once your loan is approved, you’ll complete your loan closing to fund the build. Funds are disbursed through a dual-control checking account to pay for the construction of your home.
Build Your Home
Now comes the exciting part—building your home! As construction progresses, funds can be drawn for completed work and items purchased for the project. Lien waivers, invoices, and/or receipts will be collected for work completed and for materials purchased for the project.
Inspections
We will monitor construction with regular inspections to ensure you stay on track and funds are being used as stated.
Transition to Your Permanent Mortgage
As your home nears completion, The Missouri Bank can help you transition from your construction loan into a permanent fixed-rate mortgage, helping make the move from construction to homeownership as seamless as possible. Click here for TMB Mortgage Options
At The Missouri Bank you will have an experienced, personal loan officer to answer all your questions and fit your loan to your individual needs. Contact one of our Lending Team members to start the application process today.
You may also download the necessary loan forms needed to proceed with a Construction Loan from The Missouri Bank:
The form may be filled out and emailed to one of our Lending Team members or printed out to be returned to any branch. And remember, when returning the loan forms, please also provide us with the following documentation:
Have questions? Contact your local TMB branch.
We value your time and will try to get your loan processed as quickly as possible!
Grassy landy
Your dream home starts with a plan—and the right financing can help bring that plan to life.
Let's Build Your Future Together...Unsure if you should proceed? Here is what a few of our customers have to say about our construction loans:
The Missouri Bank made the new home construction loan process simple and worry free. From the beginning planning and budgeting stages, to taking the time to explain the disbursing process, every employee at the bank helped with a smile. I highly recommend The Missouri Bank for a new home construction loan. Tom Wolff and his team at the Missouri Bank helped bring our families dream home to life. By walking us through the process of a new construction home loan, Tom and his team we were able to help us build a new home to fit our growing family. Tom and his whole team made the process easy for us to control our budgets, help us collect all of the proper lien waivers, and to disburse funds to our subcontractors. We couldn’t have asked for a smoother and easier process to finance our dream home. We highly recommend The Missouri Bank to help anyone with realizing their dream of building their own home!” – Jake G.
“When we decided to build a new house, we were faced with the seemingly intimidating process of obtaining, monitoring, and disbursing money to pay our contractor and his subs. Our contractor recommended we talk with The Missouri Bank in Wentzville. When we finally decided to dive into the process we were, to say the least, pleasantly surprised at the ease of the process and the willingness of the staff to help and answer any questions we had. Every person in that branch made us feel like we had been there for years, yet, we were brand new to the branch. I can’t begin to think of another organization I would rather do business with. I would not hesitate to go through the process again with this bank. To an employee, great customer care and relations. We were so impressed we moved all of our banking to them! They really are a model for how banks should operate.” – Bob W.
At The Missouri Bank you will have an experienced, personal loan officer to answer all your questions and fit your loan to your individual needs. Contact one of our Lending Team members to start the application process today.
You may also download the necessary loan forms needed to proceed with a Construction Loan from The Missouri Bank:
The form may be filled out and emailed to one of our Lending Team members or printed out to be returned to any branch. And remember, when returning the loan forms, please also provide us with the following documentation:
Have questions? Contact your local TMB branch.
We value your time and will try to get your loan processed as quickly as possible!
Lady with hardhat
Have questions about construction loans? We’ve got answers. Explore some of the most common questions about construction financing, the building process, loan draws, and transitioning to your permanent mortgage.
Find Out MoreWhat is a construction loan?
A construction loan provides financing to help cover the costs of building a new home, including eligible construction and related expenses.
When should I apply for a construction loan?
It’s a good idea to talk with a lender early in the process. We can help you understand your budget and financing options while you’re making decisions about your lot, builder and home design.
When do my construction funds become available?
Construction funds become available after your loan closes. At closing, the promissory note and required loan documents are signed, and all other loan requirements have been satisfied.
How do I access my construction funds?
Construction funds are placed in a dual-control checking account and accessed as needed throughout the construction process. Documentation, such as lien waivers, invoices and receipts, may be required before funds are released.
What is a loan draw?
A draw is an incremental release of construction loan funds to pay for eligible work, materials or services as your project progresses. Funds may be used to pay your contractor, subcontractors and suppliers.
Why aren’t the construction loan funds provided all at once?
A construction loan is an open line of credit intended specifically for the construction of your home. Funds are therefore disbursed gradually as construction progresses and eligible expenses are incurred and documented.
What documentation is required for a construction loan draw?
Before funds can be released, an unconditional lien waiver and a matching invoice for the materials or services provided are required for each draw.
What is a lien waiver?
A lien waiver is a legal document signed by a contractor, subcontractor or supplier stating that they have been paid and are giving up the right to file a mechanic’s lien against your property.
What are invoices and receipts used for?
Invoices and receipts help document the work completed or materials purchased for your project. A matching invoice or receipt is required with each draw to verify how the construction loan funds are being used.
How are contractors and suppliers paid?
Your contractor will submit a draw request periodically for eligible work and materials provided by the contractor, subcontractors and suppliers. You, as the borrower, will issue checks from the construction checking account. Each check requires your signature along with a TMB disburser’s signature.
The Missouri Bank’s disburser will provide the second signature once the required lien waiver and matching invoice have been provided. This process helps protect the borrower, lender, contractor and suppliers.
Will The Missouri Bank inspect my home during construction?
Yes. The Missouri Bank conducts periodic on-site inspections during construction to verify that work is progressing according to the approved construction plans and budget. Inspections also help confirm that the services and materials paid for with loan proceeds can be visually verified on the property.
Can The Missouri Bank finance my permanent mortgage, too?
Yes. As your home nears completion, we can assist you with transitioning your construction loan into a permanent fixed-rate mortgage.
Who can I talk to about my construction loan?
Our experienced TMB lenders are here to answer your questions, discuss your building plans and help you determine which financing option may be right for you.
At The Missouri Bank you will have an experienced, personal loan officer to answer all your questions and fit your loan to your individual needs. Contact one of our Lending Team members or Your Local TMB Branch for any questions you may have! We are here to help!
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