Personal Construction Loans

At American Bank, we have the flexibility and experience to help you find a home or construction loan solution that fits your needs and goals.

We’ll construct your loan from the ground up

Our one-stop shop helps you save time and money

We offer permanent mortgage loan packages

Move in as soon as the project is complete


We know the market and the builders

The Construction Process

Step 1: Complete an application

Step 2: Loan will be submitted for a credit decision and processing.

  • Builder/Contractor Review
  • Appraisal
  • Draw Schedule
  • Title Review

Step 3: Close the loan and build your home. Our disbursement policy is as follows:

  • Borrower funds (meaning your down payment or equity) will be used first. Construction loan proceeds will be disbursed thereafter.
  • Each construction disbursement (draw) is limited to the amount that corresponds to the percentage of completion, as outlined in the disbursement schedule.
  • Funds are disbursed to cover labor and materials for work or installations that have been completed.
Step 4: Secure your permanent financing 


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American Bank, N.A. NMLS #469472. 800 N. Shoreline Blvd, Suite 200., Corpus Christi, TX 78401

Routing Number | 114903284 - Ashburn - 20149 - False