Be aware of Impersonation Scams. We'll NEVER ask you to share your verification code via phone, text, or email. If you receive a call or message asking for login or confidential information, hang up and call our Customer Care Team directly at 800-482-1314.
All banking and wealth management offices will be closed on Friday, June 19th, in observance of the Juneteenth federal holiday. Mobile Banking, Online Banking and over 55,500 fee-free ATMs are available 24/7.
Have you enrolled in eStatements yet? Minimize paper clutter, maximize security and be good to the environment.
Construction Loans
Bring your vision to life with German American Bank.
Affordable financing at every phase
Get the financing you need to cover costs from the initial planning phase through project completion.
German American Bank can help you:
Construction Loan
If you own land, you have equity.
Use the value of your land as a down payment to meet the loan-to-value requirement on your construction loan and secure financing for the funds needed to complete your project.1 Once you're ready for permanent financing, we'll help you find the perfect mortgage.
1Subject to credit approval. Property insurance required. Available to Indiana and Kentucky residents.
Purchase Renovation Loan
Roll your mortgage loan and remodeling costs into one loan with this innovative mortgage package.2
Based on a home's value after renovations, Purchase Renovation Loans let you borrow more than a traditional home equity loan. And because you'll build equity faster by making renovations, you'll see even more potential in that fixer-upper you've been eyeing.
Subject to Credit and Underwriting Approval
The German American Bank Difference
It's your dream and nobody else's. We start from that place and work with you to make it real. That's why we offer so many mortgage loan options and all the personalized guidance you need, whether it's your first time or your fifth.
We'll be right by your side every step of the way home, with the experience and service you expect and deserve.
Not just an MLO, an MVP. From nailing down your homeownership goals to working out the financing and walking you through the application, this trusted expert is in your corner from start to finish.
The mortgage process comes with paperwork – lots of it. It starts with your home loan package moving on to our processors. They'll work with you to gather the documentation you'll need for the closing.
Ever wonder what an underwriter does exactly? You're about to find out. This is the member of our team who crunches the numbers to make sure your loan and budget align before approving your mortgage.
It's time to set a date for one last review of the closing documents and dozens of signatures before your realtor makes it official and hands you the keys. Welcome home.
Feel like the further along you get, the more questions you have? Don't worry, our team will always be there as a resource – before, during and after the closing.
Meet Your Construction Loan Team
Turn to the mortgage experts at German American Bank as you firm up your plans and budget.
Financial Insights
Auto finance to home refinance, student checking accounts to IRAs – make informed decisions on all of it.
Learn the pros and cons of paying off your mortgage faster, helpful tips, and what happens when you’re finally paid in full.
If you want to boost your credit score, these 7 tips can help.
Whether you’re a first-time home buyer, thinking about building, or taking steps towards purchasing an investment property, it’s important to start the process by being well prepared.
If you need cash for a large purchase, you might consider a Home Equity Line of Credit (HELOC), a type of loan that allows you to borrow against the value of your home. Learn more about the basics of how a HELOC works and general lender requirements.
When settling in to your new home, there are some important things you need to consider. ABA Foundation recommends the following tips.
Brush up on your mortgage knowledge by learning the definitions of these common home-buying terms.
Your credit, your credit scores, and how wisely you shop for a loan that best fits your needs have a significant impact on your mortgage interest rate and the fees you pay.
Searching for your first home can be an exhilarating, yet overwhelming time in your life. If you are having trouble with where to start, you are not alone. With some guidance and organization, German American can help you be on your way to owning your first home. Here are some simple steps to get you started.
Before making the transition from renting your home to owning your home, it is important to start saving for a down payment, typically 5 to 20 percent of the home’s value. Check out some helpful tips from the American Bankers Association on how to save for it.
Moving into your own place can be exciting and frightening at the same time. The American Bankers Association suggests considering the following questions when choosing your own home.
Homeowners have several things to consider when it comes to finding needed funds for financing a project or consolidating debt. Two popular lending options are refinancing an existing mortgage or tapping into the equity in your home with a home equity line of credit. Let's explore the difference between the two!
If you are thinking about starting some home improvement projects, you can be strategic about which ones to tackle first. There are some projects that net better returns than others. Learn about three home improvement projects that add plenty of value to your home.
App Store
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
© 2026 German American Bank . All rights Reserved
© 2026 German American Bank . All rights Reserved
