Sometimes the best way to find your dream home is to build it—and we can help with that. Learn more about our construction loan financing options.


Key Features

  • Competitive Rates
  • Local Processing
  • Quick Decisions

What Is A Construction Loan?

Our single-close construction loans are available for both primary residence and second-home construction. And our single-close construction loan program provides permanent long term financing with no additional closing costs!

How Does A Construction Loan Work

Construction draws are applied to your loan in stages based on the work completed. You can make interest-only payments during the construction phase. Payments are based on the draws your builder makes as the project progresses. 

Why Get a Home Construction Loan From Citizens Savings?

If you’re looking for a construction loan in Northeastern PA, we offer:

  • Competitively low rates for your home construction project
  • Save money up front with zero-point mortgages
  • Flexible terms customized to your unique situation
  • Local decision-making and processing
  • Attentive, friendly service from start to finish

Apply For A Construction Loan

Ready to take the first step towards your dream home? Still have questions? You can apply for a construction loan online, contact us to learn more, or visit your nearest branch location in Clarks Summit, Scranton, Taylor, Honesdale, or Mount Pocono, PA.

1Private mortgage insurance required with less than 20% down payment.

2Fees for title insurance, attorney fees, recording of mortgage fees, and taxes will apply.

3Subject to credit approval.

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