3 Construction Loan Lenders in Sparta, Georgia in 2026

Lendersa® offers a curated list of construction loan lenders in Sparta, GA, encompassing regional banks, national companies, and local hard money lenders. These lenders utilize private capital for projects like ground-up construction or major rehabs.

In Sparta, GA, lenders estimate construction costs for a 2,000 Sq. Ft. home, ranging from $216,492 for basic projects to $395,020 for more elaborate constructions. Terms and interest rates vary depending on borrower financials, LTV, ARV, and the chosen lender.

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Avoiding unnecessary inquiries helps protect your credit score. You can secure preapproval for your land loan without submitting your social security number or sensitive financial details.

Consider pledging additional property as security (a blanket loan) to qualify for 100% LTV financing.

Utilize the Lendersa® land loan calculator to locate lenders for vacant land loans in zip codes 31087.



Sparta Construction Loan Lenders

  • Century Bank and Trust
  • 141 South Wayne Street, Milledgeville, GA, 31061
  • Lends in Georgia
  • Century Bank & Trust has operated as an independent community bank under local control. The Boards of the Bank and Century Bancorp, Inc, remain convinced, unless faced with strong evidence and trends to the contrary, that this direction can continue to offer against other alternatives, higher returns, a superior level of service to our customers.

  • The Geo. D. Warthen Bank
  • 216 N. Harris St., Sandersville, GA, 31082
  • Lends in Georgia
  • Shortly after returning from the Civil War, Mr. Geo. D. Warthen entered the mercantile business in partnership with Jeff A. Irwin, Sr. and began business in a building on West Haynes St. (Present location of The Hair Force).

    In 1871, a rear corner of the building was partitioned off

  • Citizens Bank of the South
  • 132 South Harris Street, Sandersville, GA, 31082
  • Lends in Georgia
  • Citizens Bank of the South has changed considerably over the past several decades, CBOTS is committed to its loyal customers, prudent growth, and personal and professional service. We invite you to browse our newly branded website, visit any of our four convenient locations, or give our friendly customer services.

  • Bank of Madison
  • 133 North Main Street, Madison, GA, 30650
  • Lends in Georgia
  • We commit to treat each customer exactly as we want to be treated. We choose to preserve our history of perseverance, determination, hard work. We choose to respect our heritage of commerce and transport, of culture and gracious living, of fields of industry. We choose to build on that foundation with professionalism, technology.

  • First State Bank
  • 300 Broad Street, Wrens, GA, 30833
  • Lends in Georgia
  • We prefer to put people first. So, we made sure everything we do provides real value to our friends and neighbors.

    With branch offices in Wrens and Louisville, Georgia, First State Bank has been serving the citizens of Jefferson County and surrounding areas since 1964.

    A branch office was opened in 2002 in Americus,

  • Queensborough National Bank and Trust Company
  • 113 E. Broad Street, Louisville, GA, 30434
  • Lends in Georgia
  • As regional banks have dissolved or been bought up by larger banks, many of the best and brightest bankers have sought out a place to work where long term relationships were valued over short term gains. That place is Queensborough. We are delighted to provide the professional banker expertise you need with a personal banker attitude you want.

  • Oconee State Bank
  • 35 North Main Street, Watkinsville, GA, 30677
  • Lends in Georgia
  • Oconee State Bank is a locally owned and operated Community Bank in Oconee County, offering a competitive line of products and services. Oconee State Bank has 3 full-service branches located in Oconee County, GA. In December 2004, the H. Mell Wells Operations Center and Rosella E. Hansford Learning Center were dedicated.

  • American Pride Bank
  • 4740 Log Cabin Drive, Macon, GA, 31204
  • Lends in Georgia
  • The American Pride Bank location of American Pride Bank was established Dec 12, 2007 (14 years and 5 months ago). They are one of 4 branch locations operated by American Pride Bank. For ATM locations, drive-thru hours, deposit info, and more information consider visiting their online banking site at: www.americanpridebank.com

    APB is a communit

  • Farmers State Bank
  • 115 N. Washington Street, Lincolnton, GA, 30817
  • Lends in Georgia
  • Farmers State Bank is a locally owned and operated community bank which has been proudly serving the CSRA for over 100 years. We offer a wide array of deposit products and services to our customers with competitive rates on checking, savings, certificates of deposit, and IRA accounts.

  • GMFS Mortgage
  • 4009-B Vineville Ave., Macon, GA, 31210
  • Lends in Georgia
  • GMFS is licensed as a mortgage lender in the following states: Alabama, Arkansas, California, Colorado, Florida, Georgia, Illinois, Kentucky, Louisiana, Mississippi, New Mexico, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, and Virginia. GMFS is an approved Fannie Mae Seller-Servicer, Freddie Mac Seller-Servicer