Residential Construction & Development Loans
We provide the speed, flexibility, and expertise builders and developers need to fund land acquisition, subdivision development, and new construction projects with confidence.
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NASB
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- Grandview, MO Branch
- Lee's Summit, MO - 291 Highway Branch
- Independence, MO Branch
- Harrisonville, MO Branch
- Excelsior Springs, MO Branch
- Lexington, MO Branch
- Platte City, MO Branch
- St. Joseph, MO Branch
- Kansas City, MO - Barry Road Branch
- Kansas City, MO - North Oak Trafficway Branch
- Kansas City, MO - 104th Street
Tools
Resources
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- Understanding Certificates of Deposit Videos
- How to Get a Home Loan if You're Self-Employed Video
- What is a Bank Statement Loan Video
- What is a DSCR Loan Video
- How to Get a Loan for an Investment Property Video
- Cash-Out Refinance - What it is and How to Use It Video
- What is an Escrow Account Video
- Webinar - Financial Fitness and Avoiding Exploitation
- Webinar - Financial Awareness and Budgeting
- Webinar - Digital Banking Tools
- Webinar - Bank Statement Loans for Self-Employed Borrowers
- Webinar -NASB Talks Portfolio Loans and Mortgage Programs
- How To Prepare For A Loan Application Video
mailto:constructionlending@nasb.com
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- Kansas City area: 816-316-4000, option 3
- All other areas: 800-677-6272, option 3
- 24 hours a day: 833-221-8626, option 3
- Kansas City area: 816-765-7272
- All other areas: 800-374-2636
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Routing number - 301071631
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Please call Deposit Services at:- Kansas City area: 816-316-4000
- All other areas: 800-677-6272
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- Kansas City area: 816-316-4000, option 5, option 2
- All other areas: 800-677-6272, option 5, option 2
- 24 hours a day: 888-661-1982
- Kansas City area: 816-316-4000, option 5, option 1
- All other areas: 800-677-6272, option 5, option 1
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Please call Loan Servicing at:- Kansas City area: 816-316-4000
- All other areas: 800-677-6272
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Routing number - 301071631
Banking
Reorder Checks
Tax Documents
Please call Deposit Services at:- Kansas City area: 816-316-4000
- All other areas: 800-677-6272
Online Banking and Bill Pay
Replace Lost/Damaged Card
We're available 24/7 to assist you:Enroll in e-Statements
Banking Forms & Disclosures
Lending
Make a Loan Payment
Tax Documents
Please call Loan Servicing at:- Kansas City area: 816-316-4000
- All other areas: 800-677-6272
Enroll in e-Statements
Key Features
Large Lending Capacity - Guidance lines up to $60 million.
Specialized Expertise - Dedicated lenders with experience partnering with builders, developers, and investors.
Fast, Local Decisions - In-house underwriting ensures responsive approvals and flexible loan terms.
Real Estate Construction Loans for Builders, Developers & Investors
At North American Savings Bank (NASB), we specialize in investment real estate loans, construction loans, and development financing designed to help builders, developers, and investors succeed. With nearly 100 years of experience and the largest concentration of homebuilder lending in the Kansas City MSA, NASB offers flexible, fast, and locally serviced loans that keep your projects moving forward.What Our Customers Say
Residential Construction testimonials
★★★★★ (5)
Tyler S., Lee's Summit, MO
"Sallee Development has partnered with NASB since the early 1990s and considers them one of our most trusted construction lending partners. From land acquisition and development to vertical construction, NASB excels across the full spectrum of real estate lending. Their responsiveness and efficiency have consistently helped make our business more streamlined and profitable."
Tyler S., Lee's Summit, MO
"Sallee Development has partnered with NASB since the early 1990s and considers them one of our most trusted construction lending partners. From land acquisition and development to vertical construction, NASB excels across the full spectrum of real estate lending. Their responsiveness and efficiency have consistently helped make our business more streamlined and profitable."
★★★★★ (5)
Greg P., Olathe, KS
"Our experience with NASB has been outstanding. As a development and construction lender, we’ve worked with many financial institutions, but NASB has truly set itself apart. They take the time to understand our projects and our goals, making us feel like true partners rather than just another client. Their team consistently delivers creative financing solutions, clear communication, and unwavering support. NASB’s mix of deep industry knowledge, experience, and personal approach has made a real difference in our success, and we’re grateful for the trust and partnership we’ve built together."
Greg P., Olathe, KS
"Our experience with NASB has been outstanding. As a development and construction lender, we’ve worked with many financial institutions, but NASB has truly set itself apart. They take the time to understand our projects and our goals, making us feel like true partners rather than just another client. Their team consistently delivers creative financing solutions, clear communication, and unwavering support. NASB’s mix of deep industry knowledge, experience, and personal approach has made a real difference in our success, and we’re grateful for the trust and partnership we’ve built together."
★★★★★ (5)
Tony W., Grain Valley, MO
"We’ve had the pleasure of working with NASB since the late 1990s, and their construction lending program has been a key part of our growth. Their team is knowledgeable, responsive, and truly understands the needs of builders and developers. We value the partnership and look forward to continuing our work together."
Tony W., Grain Valley, MO
"We’ve had the pleasure of working with NASB since the late 1990s, and their construction lending program has been a key part of our growth. Their team is knowledgeable, responsive, and truly understands the needs of builders and developers. We value the partnership and look forward to continuing our work together."
★★★★★ (5)
David C., San Diego, CA
"We have worked for several years now on countless projects with the team at NASB and can't say enough great things about them. They communicate great, are very fast and diligent in underwriting and closing deals, and are great at processing the draws in a timely manner. On top of that they are great people and a joy to work with every day."
David C., San Diego, CA
"We have worked for several years now on countless projects with the team at NASB and can't say enough great things about them. They communicate great, are very fast and diligent in underwriting and closing deals, and are great at processing the draws in a timely manner. On top of that they are great people and a joy to work with every day."
★★★★★ (5)
Charles G., Scottsdale, AZ
"I've had the pleasure of closing over a dozen construction loans with the team at NASB over the past few years. Their expertise and professionalism made the entire process run smoothly. They have consistently been available to address any questions, and their deep understanding of the industry ensured that I secured the best terms for my loans. Thank you to the NASB Team!"
Charles G., Scottsdale, AZ
"I've had the pleasure of closing over a dozen construction loans with the team at NASB over the past few years. Their expertise and professionalism made the entire process run smoothly. They have consistently been available to address any questions, and their deep understanding of the industry ensured that I secured the best terms for my loans. Thank you to the NASB Team!"
Types of Investment Real Estate & Construction Loans
NASB provides a full suite of financing solutions for ground-up construction, residential development, and real estate investment projects, including:- Acquisition & Development (A&D) Loans – Finance the purchase of raw or entitled land and prepare it for residential or commercial real estate development projects.
- Construction Loans – Flexible financing for vertical construction of single-family homes, residential subdivisions, multi-family housing, or commercial real estate projects.
- Lot Development Loans – Loans to subdivide land into finished lots for resale or future home construction.
- Homebuilder Development & Construction Loans – Guidance lines up to $60 million for well-capitalized homebuilders and residential development projects.
- Build-to-Rent (BTR) Loans – Financing for experienced operators in markets with strong demand for rental housing.
Typical loan terms range from 18–36 months, with the ability to extend up to 60 months for larger or more complex projects.
Where We Lend
NASB finances investment real estate loans and construction projects across multiple high-growth regions. While our strongest presence is in Kansas City, we actively support developers in surrounding markets and select build-to-rent opportunities nationwide.
- Kansas City Metro Area – our largest concentration of lending
- Springfield, Missouri
- Fayetteville & Northwest Arkansas
- Tulsa & Oklahoma City, Oklahoma
- Northern Colorado
- Select Build-to-Rent projects nationwide
Why Choose NASB for Residential Construction and Development Loans?
- Specialized expertise in homebuilder, subdivision, and residential development financing
- Guidance lines up to $60 million for qualified builders and developers
- In-house underwriting for faster approvals and more flexible terms
- Local servicing with personalized support throughout the life of your loan
- Trusted partner with a long track record of financing community growth in Kansas City and beyond
Helping Build Dreams, One Development at a Time
We're proud to partner with homebuilders and developers on major construction and build-to-rent financing projects. Recent funded transactions include:
Mission Vale Townhomes
$4,822,000
Mission, KS
New Construction
19 Unit BTR
Barry West Townhomes
$9,970,700
Kansas City - North, MO
New Construction
BTR
Prairie Wolf Villas
$28,537,622
Overland Park, KS
New Construction
160 Unit BTR
Connect with our lending team today to discuss your project.
Every project is unique — and having the right investment real estate loan partner makes all the difference. Our dedicated construction loan officers are here to guide you through the process, from application to funding, with local expertise and personalized support.
Tom DeGregorio
Senior Vice President,
Construction and CRE Lending Manager
Call: 816-214-8150
Email: tdegregorio@nasb.com
Liza Kemna
Vice President,
Construction Loan Officer
Call: 816-316-4032
Email: lkemna@nasb.com
Richard Holtcamp
Vice President,
Construction Loan Officer
Call: 816-214-8150
Email: rholtcamp@nasb.com
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