FDIC-Insured - Backed by the full faith and credit of the U.S. Government
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Cardboard Roof
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.
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 StepFrom Blueprint to Move-In Day
Start by meeting with a TMB loan officer to discuss your plans, determine your budget, and explore the construction loan options available to you.
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.
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.
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.
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.
We will monitor construction with regular inspections to ensure you stay on track and funds are being used as stated.
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. 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 dispersing 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 disperse 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 dispersing 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 MoreA construction loan provides financing to help cover the costs of building a new home, including eligible construction and related expenses.
It’s a good idea to talk with a lender early in the process. We can help you understand your budget and loan options while you’re making decisions about your lot, builder, and home design.
Construction funds are placed in a dual-control checking account and are accessed as needed throughout the construction process. Documentation such as lien waivers and/or receipts may be required for completed work or items purchased.
Yes. As your home is nearing completion, we can assist you with transitioning your construction loan into a permanent fixed-rate mortgage.
Our experienced TMB lenders are here to answer your questions, discuss your 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!