Frequently Asked Questions

A: There are several ways to apply for a construction loan. 

• If you are applying for a commercial construction loan click here. 
• If you are applying for a residential contruction loan you can apply online by clicking on our Denali State Bank Mortgage Center.  You may also apply in person by visiting any of our locations.

Q: What are the interest rates and terms available?

A: Denali State Bank offers competitive construction loan rates and terms that vary with each individual request. Please call 907.458.4223 for specific rate and term information.

Q: What do I need to get started?

A: Compile estimates for the entirety of your construction project.  Additional information may be required for final credit decision.  Click here to contact a lender for more details.

Q: When should I apply?

A: Apply before the building season begins to allow sufficient time for appraisals, verifications and other procedures to be completed.  Consult your lender for specific time frames.  Click here  to contact a lender.  

Q: How long will it take to get my loan?

A: All loan decisions are made right here in Fairbanks so we offer a fast turnaround time.

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