Step 1: Credit & LTV baseline
- Minimum credit score of 700 required
- Up to 85% loan-to-value (LTV)
- Construction Loan Special - 4.590% Rate • 5.718% APR
Construction Loan Special - 11-Month Term with 4.590% Rate and 5.718% APR*
Build in Wisconsin with a portfolio construction loan designed for owner-occupied, single-family homes. Lock in a limited-time rate and work directly with a Bank Five Nine lender.
Please see below for full terms and conditions.
Rate4.590%
APR5.718%
11-Payment Scenario
10 interest-only + 1 final payment
A Construction Loan Offer for Qualified Wisconsin Buyers
Not many lenders offer this unique construction loan product. This special includes a competitive fixed rate, an 11-month term structure, and flexible draw mechanics so you can focus on your build timeline.
- 11-month term construction loan
- 4.590% interest rate
- 5.718% APR
- Interest-only payments during construction
- Flexible draw process with no set schedules
Construction Loan Special Qualifications
This offer is designed for qualified borrowers who meet credit, occupancy, and relationship requirements.
- 700 minimum credit score
- Maximum 85% loan to value, up to $832,750 loan size
- Single-family, owner-occupied construction in Wisconsin only
- Consolidate construction and lot purchase for only one set of closing costs and fees
- Simple and flexible draw process with no set schedules
- Pay just interest-only payments during construction
- Depository relationship required prior to closing
Do I Qualify?
Step 2: Property/use requirements
- Must be single-family, owner-occupied construction located in Wisconsin
- Loan amounts available up to $832,750
Step 3: Construction process + relationship
- Construction disbursements follow Bank Five Nine’s approved draw process
- An established depository relationship is required prior to closing
How the Payment Scenario Works
The payment scenario assumes a half-drawn construction loan with a closing date of 2/1/2026 and a 1/1/2027 maturity date.
The first 10 payments are interest-only based on the dollar amount drawn at that time. The final balloon payment equals the principal balance plus interest.
In this sample scenario, a $500,000 purchase price with a 15% down payment creates a $425,000 loan amount at 4.590%, resulting in the payment snapshot shown here.
Payment estimates do not include amounts for taxes and hazard insurance.
Payment Snapshot
First 10 Payments $811.40 Interest-only monthly payments during construction.
Final Balloon Payment $425,811.40 Final payment includes outstanding principal plus interest.
Ready to Discuss Your Construction Loan Options?
Other options are available. Call for more details and speak directly with a Bank Five Nine lender about your timeline, property, and qualification profile.
Important Disclosure*:
Using a $500,000 purchase price and 15% down payment, the $425,000 loan amount at a rate of 4.590% would be a monthly payment of $811.40 for the first 10 payments followed by a final payment of $425,811.40.
The payment scenario assumes a half-drawn construction loan. The scenario is based on a closing date of 2/1/2026 with a 1/1/2027 maturity date. The actual first 10 payments are interest only based on the dollar amount drawn at that time. The final balloon payment will equal the principal balance plus interest. The payments quoted above are based on a fixed interest rate. The payment estimates above do not include amounts for taxes and hazard insurance.
Rates are effective for applications dated from 2/4/2026. The interest rates and mortgage products displayed are subject to change and availability. Bank Five Nine reserves the right to end this promotion at any time. Examples above are based on customers with good credit (including have not been late on any mortgage payment, been recently discharged in bankruptcy, or subject to recent foreclosure) with a 45 day lock period for loan application and processing. The actual mortgage product you qualify for will depend on verification of the value of your home, your credit score and other considerations including whether any subsequent loan will qualify for secondary market.
Other options are available. Call for more details.
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