2025 Construction Loans use AI Lenders complete for Flat-Rock, North Carolina

The comprehensive Lendersa® directory of construction loan lenders in Flat-Rock, NC, offers a versatile selection of financial institutions, including reputable regional banks, national lenders, and local hard money lenders employing private funds. These lenders are prepared to support your ground-up construction and major rehab projects, offering crucial financial backing essential for bringing your residential or commercial property visions to fruition. With such variety in lending options, you can identify the financial partner that best matches your unique project needs and financial criteria.

In Flat-Rock, NC, experienced lenders calculate the expected construction costs for a 2,000 square foot home, ranging from $238,549 for basic builds to $433,833 for more sophisticated, upscale projects. Interest rates and loan terms are notably diverse, depending on variables such as the borrower's financial condition, Loan-to-Value (LTV) ratio, After-Repair Value (ARV), and the particular type of lender selected. This diversity necessitates a thorough comparison to ensure you secure the most favorable terms for your construction aspirations.

Explore and compare diverse loan offers from 100 different lenders, ensuring you obtain the optimal financial package tailored to your project's specific requirements.

Unlock the potential with our advanced construction loan calculator

With Lendersa®'s advanced AI technology, your construction financing needs are effectively met by matching your loan request with a comprehensive network of construction lenders. Discover competitive construction rates suitable for funding various projects including new builds, fix-and-flip ventures, or major rehabilitations across residential and commercial properties throughout NC. This intuitive approach simplifies your access to the best financing pathways designed to align with your project's objectives.

Looking for construction loan lenders near you?

To maintain a favorable credit score, it's wise to avoid excessive credit inquiries. Get preapproval for your land loan without needing to disclose your social security number or any sensitive financial details, securing a smooth and secure process.

Agreeing to use additional property as collateral—a method known as a blanket loan—might qualify you for 100% Loan to Value (LTV) financing, providing significant leverage in your investment strategy.

Utilize the Lendersa® land loan calculator to locate lenders offering vacant land loan solutions within zip codes 28739, 28731, assisting you in finding the best financing arrangements suited to your development goals and land acquisition plans.



  • Independence Bank
  • 2425 Frederica St, Owensboro, KY, 42301
  • Independence Bank sought to create a banking revolution. Shortly after appointing the Bank’s current CEO in 1991, Independence Bank arrived at a flashpoint in this mission. It was a time when financial multinationals marched through communities annexing smaller banks. Centralized, “big bank” practices became the norm.
  • Decatur County Bank
  • 56 N. Pleasant St., Decaturville, TN, 38329
  • Decatur County Bank has grown exponentially since opening more than a century ago. In 2010, we established West Tennessee Bank, in order to better serve customers in surrounding counties. In 2018, the Jackson branch of West Tennessee Bank opened on Union University Drive. Because of you, we continue to grow and thrive throughout West Tennessee
  • F&M Bank
  • PO Box 1111, Timberville, VA, 22853
  • F&M Bank and its employees dedicate thousands of hours and dollars to the community and local economy. F&M Bank’s corporate philanthropy exceeds $300, 000 annually while our team dedicates their time to civic and nonprofit involvement in the markets where they live, work and play.
  • Commodore Bank
  • 100 East Main Street, Somerset, OH, 43783
  • Commodore Bank is a customer-driven banking institution that targets business owners, professionals, and residents within its service area. The bank emphasizes customer service by the ability to make decisions locally. The Bank’s structure positions customers directly with front-line personnel.
  • Community Savings
  • 425 Main Street, Caldwell, OH, 43724
  • Community Savings is a community-oriented financial institution that provides customized loan and deposit services for personal and small business needs. Keeping technology at the forefront, Community Savings has never been more accessible than now. Community Savings is committed to reinvesting funds locally.
  • The Peoples Bank
  • 100 N. Main St., Brownstown, IN, 47220
  • Originally chartered in 1919 as the Brownstown Loan and Trust Company, The Peoples Bank was formed in 1965 with the merger of the Brownstown Loan and Trust Company and the First National Bank of Brownstown. The Peoples Bank remains a locally owned community bank serving all of Jackson County with offices in Brownstown, Crothersville and Seymou
  • Eastern Mortgage Company, Inc.
  • 7601 Emerald Drive, Emerald Isle, NC, 28594
  • Eastern Mortgage Company Inc., has put over 150 years of mortgage experience to work for their clients. We take a great deal of pride in providing innovative and competitive mortgage products. Here at Eastern Mortgage we use a blend of old fashioned honest work ethic and modern technology with state of the art automated underwriting
  • Miami University Community Federal Credit Union
  • 31 Lynn Street, Oxford, OH, 45056
  • Miami University and Community Federal Credit Union was founded and chartered by Miami University in 1969 and has proudly served Miami University Employees and the Greater Oxford Community for the last 45 years! Being a "for people, not profit" financial institution along with always serving our members individual needs
  • Thomasville National Bank
  • PO Box 1999, Thomasville, GA, 31799
  • Thomasville Bank is to operate a sound and profitable company while serving the banking needs of the Thomasville/Thomas County community. We will strive to protect our customers deposits, meet their credit needs, & promote economic development throughout the community, while consistently generating strong returns on our shareholders' investment.
  • Alabama Rural Electric Credit Union
  • 1215 Veterans Memorial Pkwy, Tuscaloosa, AL, 35404
  • ARECU started with the dreams of seven in 1969, and in 2020 we are excited to be Alabama Rural Electric Credit Union, a division of Alabama ONE. The merger with Alabama ONE Credit Union in April of 2020 brings a myriad of improved products and services with the added strength of Alabama ONE's legacy of exceptional service.
  • Blue Ridge Bank
  • 11450 Robious Road N, Richmond, VA, 23235
  • Blue Ridge Bank is a leading community Bank that supports families and businesses through a wide range of financial services including retail and commercial Banking, payroll, insurance, card payments, wholesale and retail mortgage lending, and government-guaranteed lending. The Bank also provides investment and wealth management services
  • Riverside Funding LLC
  • 9601-101 Gayton Rd, Richmond, VA, 23238
  • Riverside Funding we are proud to service all your mortgage requirements with a wide variety of loan programs. We realize that in today’s financial setting there is a need for many diverse loan programs able to be customized to your own criteria, including conventional fixed rate and adjustable rate mortgages, VA and FHA loans, Investor loans.