Construction Loan Lenders in Washington, North Carolina (2026)

Lendersa® provides a comprehensive list of construction loan lenders in Washington, NC, including regional banks, national lenders, and local hard money lenders using private funds. These lenders are equipped to support your ground-up construction or major rehab projects, offering a variety of financial options tailored to diverse building needs.

Lenders assess construction costs for a 2,000 square foot home in Washington, NC, from $240,342 for basic construction to $435,626 for more sophisticated builds. Interest rates and loan terms fluctuate based on the borrower's financial conditions, Loan-to-Value (LTV) ratio, After Repair Value (ARV), and the selected type of lender, providing adaptable financial solutions suitable for different needs.

Explore and compare loan offers from 100 diverse lenders

The Magic Construction Loan Calculator

Employing state-of-the-art AI technology, Lendersa® efficiently matches your loan request with hundreds of construction lenders, ensuring your financing needs are thoroughly met. This system enables you to find competitive construction rates for projects like ground-up builds, fix-and-flip ventures, or significant rehabs on both residential and commercial properties in NC, making it easier to access the funding you require.

Are Construction Loan Lenders Near You?

To preserve your credit score, aim to avoid unnecessary inquiries. Obtain preapproval for your land loan without needing to provide your social security number or any sensitive financial information, ensuring a secure application process.

You might qualify for 100% LTV (Loan to Value) financing by agreeing to use additional property as collateral, referred to as a blanket loan, thus enhancing your borrowing capacity by leveraging more assets.

Utilize the Lendersa® land loan calculator to identify vacant land loan providers within zip codes 27817, ensuring you have access to optimal financial resources tailored to your specific needs and locations.



Washington Construction Loan Lenders

  • First South Bank
  • 1311 Carolina Avenue, Washington, NC, 27889
  • Lends in North Carolina
  • Founded in 1902, First South Bank has served the eastern and central North Carolina market for over 100 years. We have grown to thirty-two (32) full-service branch offices from Durham to Buxton and Elizabeth City to Wilmington. Banking products and services have evolved, however, the Bank’s commitment to its community has never wavered

  • SMC home finance
  • 717 Rosanne Drive, Suite One, Kinston, NC, 28504
  • Lends in North Carolina
  • SMC Home Finance was established in 1996 by Donald Fader after spending time in management roles with First American Savings and First South Bank. The company is licensed as a non-depository mortgage lender under the supervision and regulation of the North Carolina Commissioner of Banks.

  • Marine Federal Credit Union
  • 4180 Western Boulevard, Jacksonville, NC, 28546
  • Lends in North Carolina
  • It starts with commitment. The foundation of all great relationships.

    We started this credit union for the Marines. To match the loyalty and commitment with which they serve us. And for over 60 years, we’ve been here. For the Marines and their community. Here for the long haul.

  • NC Community Credit Union
  • 2401 E Ash St, Goldsboro, NC, 27534
  • Lends in North Carolina
  • NC Community Credit Union has provided quality financial services to help members achieve their financial goals. Your Community Credit Union is committed to serving individuals, businesses, and other organizations who live, work, worship, or attend school in Wayne County. As a credit union member, you’re also the owner!

  • Eastern Mortgage Company, Inc.
  • 7601 Emerald Drive, Emerald Isle, NC, 28594
  • Lends in North Carolina
  • 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

  • First Carolina Bank
  • 171 North Winstead Avenue, Rocky Mount, NC, 27804
  • Lends in North Carolina
  • First Carolina Bank is a community bank that serves Rocky Mount, Reidsville, Raleigh, Cary, Wilmington, and Virginia Beach areas. First Carolina Bank is dedicated to making a positive impact in all of our communities. We do this by giving back and continually supporting the activities within our local community.

  • First Carolina People's Credit Union
  • 201 East Ash Street, Goldsboro, NC, 27530
  • Lends in North Carolina
  • First Carolina People’s Credit Union was formed in 1950 and chartered in 1952 under the name of Goldsboro Postal Credit Union to provide postal employees and their families with high quality services, to promote the wise use of their financial resources and complement their diverse lifestyles. Membership is a family affair.

  • Hertford Savings Bank, SSB
  • 121 N Church St., Hertford, NC, 27944
  • Lends in North Carolina
  • Since 1923, Hertford Savings Bank, SSB has been serving the financial needs for the counties of Perquimans, Chowan, Pasquotank and Gates. We provide the personalized attention that our customers deserve. The bank’s decisions are made locally and we strive to develop strong relationships with our customers and local community.

  • KS Bank, Inc.
  • 1031 Brightleaf Boulevard, Smithfield, NC, 27577
  • Lends in North Carolina
  • KS Bank has served the Triangle East region of North Carolina. KS Bank, a state-chartered savings bank, is a community-oriented financial institution offering a broad array of competitive and pro-growth financial services to businesses, professionals, individuals, and families. KS Bank offers retail and commercial lending and deposit services, mort