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Personal Construction Loans

Make us a key part of your building team.

Designing a home that's uniquely yours? You'll need a loan that fits the same description. At ESB, our lending experts can put together a package that covers your costs from breaking ground for the foundation to touching up the final coat of paint.



From the short term to the long haul

Construction Loans cover material and labor costs while your home is being built. After you move in, ESB makes it easy to convert this short-term financing into a regular mortgage that's the perfect fit for your new place.

  • Take advantage of our 1.99% construction loan rate (3.36% APR) when your primary checking account is with ESB
  • Loan terms designed around your construction schedule
  • Local loan decision-making and servicing
  • Flexible and no-hassle construction draw process
  • No construction inspection fees











Edmonton State Bank is a full-service financial institution with locations throughout South Central Kentucky.
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Merchant Services

Create happy customers by accepting major credit and debit cards at your business.