The wise man built his house with Beehive.

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Due to unprecedented demand, members should fill out an online mortgage application for the quickest response. A loan officer will call you within 4-5 business days to review the application and answer any questions before pulling credit.

Building a home?

We have got construction loans down to a science at Beehive.
With an incredibly low 1%* origination fee, in house draws, and same day approval, your home can get the financing you need with local convenience.

Don’t wait, get started early!

Construction loans from Beehive are in high demand. We suggest calling as early as you can to ensure you get the financing you need. Plus if you get the construction loan completed before 9 months we will refund up to $500 dollars in fees!*

Calculate Your Mortgage Payments

Use our mortgage resources to determine how much your monthly payments on a new mortgage will be, and answer questions like:

Mortgage Calculators

  • How much will a 15-year mortgage save me?
  • Can I save money by refinancing now?
  • Should I buy a home or continue to rent?
  • Can I save money by refinancing now?

Enjoy a smooth construction process by gathering your paperwork before you dig.

Begin your application by clicking Apply Now. Here are the documents we’ll need next:

  1. Income & Assets
    • Year-to-date paystub
    • 2 years federal tax returns
    • 2 months bank statements
    • Settlement statement on land purchase
    • Insurance agent’s name and agency contact information
  2. Builder Contract
    • Contract listing completion date, total dollar amount, change request policy, etc.
  3. Cost Breakdown
    • Line by line explanation of costs
  4. Spec Sheet
    • Room by room specifications on material choices


  • 1% origination fee
  • All other fees are below industry average
  • In house draws, get your money faster
  • Up to two draws a month
  • One time close
  • Same day approval

Beehive offers mortgages, including in areas covered by flood insurance requirements. The National Flood Insurance Program (NFIP) is a Federal program providing flood insurance, floodplain management, and the development of flood hazard zones. Flood insurance is required by federal law for members borrowing funds in high-risk zones.

Can I get out of the requirement to have flood insurance? Members can hire a qualified surveyor to perform an elevation certificate on their home. This certificate can be sent with an application to FEMA for a letter of Map Amendment (LOMA). LOMA is an official amendment, by letter, to an effective NFIP map. A LOMA establishes a property’s location in relation to the Special Flood Hazard Area (SFHA). LOMAs are usually issued because a property has been inadvertently mapped as being in the floodplain, but is actually on natural high ground above the base flood elevation. Because a LOMA officially amends the effective NFIP map, it is a public record that the community must maintain.