Construction Loans

new-home-construction-carthage-nyBuilding your home from the ground up is a whole lot easier when you have local experts right around the corner. We offer loans to take your project from concept to completion.


Transition from the construction phase to a completed home or office with the help of Carthage Savings.

  • Competitively low rates for your home construction project
  • Available for primary residence or second home construction
  • Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
  • Pay off interest quicker; payments are interest-only during construction phase
  • Payments are made on the amount drawn on your loan sufficient to pay your builder
  • Construction draws applied in stages based on work completed
  • Local decision-making and processing right here in the North Country
  • Attentive, friendly service from start to finish

Discover How Easy it is to Get Started

Open This Account in Minutes