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Home › Find a Lender › Minnesota
Minnesota · vetted specialists

Construction loan lenders in Minnesota

Local and national specialists financing new-home and owner-builder construction across Minnesota — with cost-to-build context to size your loan.

Quick answer

Construction loan lenders in Minnesota offer one-time close, two-time close, owner-builder, and FHA/VA/USDA programs. Conventional builds typically need 20–25% down; FHA can be 3.5% and VA/USDA 0% for eligible borrowers. Get matched free to compare specialists serving Minnesota.

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Minnesota directory

Lenders serving Minnesota

US Bank ✓ Verified

📍 All 50 states
One-Time CloseOwner-Builder2nd Mortgage / HELOCLand

Specializing on Construction to Perm Financing for Owner Occupied, Second Homes, ADU and Barndominium Properties. Will do OWNER BUILDER on case by case basis. Lot Financing Available. LENDING IN ALL 50 STATES!!!

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Arcadian Bank

📍 MN
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Elysian Bank

📍 MN
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First National Bank North

📍 MN
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Itasca Bank & Trust Co.

📍 MN
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Lake Area Mortgage

📍 MN
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Security Bank & Trust Co.

📍 MN
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The Huntington National Bank

📍 MN
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Construction loans in Minnesota — FAQ

What down payment do Minnesota construction lenders require?
Conventional construction loans in Minnesota typically need 20–25% down; FHA one-time close can be 3.5%, and eligible VA and USDA borrowers may put 0% down.
Can I get an owner-builder construction loan in Minnesota?
Yes — some lenders serving Minnesota offer owner-builder programs, though approval is stricter than with a licensed general contractor. Get matched to compare them.
How do I compare construction loan lenders in Minnesota?
Compare the loan programs each lender actually originates (one-time close, two-time close, owner-builder, FHA/VA/USDA), their minimum loan amounts, and their true service area — or get matched free with specialists serving Minnesota.

Nearby: Wisconsin · Iowa · South Dakota · North Dakota

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