Important Announcement

SCAM ALERT – If you are contacted by anyone who asks for personal information like account numbers, your address, PIN, date of birth or social security number, DO NOT provide any information they request. Don't worry about being polite or whether they could really represent the bank. Simply hang up and give us a call at 1.800.542.5004.

Land and Construction Loans

Land & Construction Loans

Do you have your eye on a stretch of land or an appealing lot? You’ve come to the right place.

Vinton County National Bank is one of only a few banks in the region to offer loans on land and vacant lots with low down payments and attractive rates. We also keep closing costs at a minimum.

Pre-Qualify or Apply Now Find a Lender

Construction Loans

We offer loans that take you through the construction phase of your new home, into the permanent financing you will need once your home is complete.

  • 10% Down Payment Requirement1
  • Equity in the existing lot can be used for down payment
  • One time closing fee
  • Construction period of up to 12 months
  • Interest Only during the construction phase
  • No Private Mortgage Insurance required
  • Ability to escrow
  • Quick, efficient draws throughout

Pre-Qualify or Apply Now Find a Lender

More questions? Chat with us online or click here to ask a question.

1 Credit qualifications must be met.

Vinton County National Bank

Vinton County National Bank

VCNB Mobile

Access your bank account right from your phone with VCNB Mobile.

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