Why work with us?

Easy qualification

Our qualification and approval process requires documentation you likely already have, making it quick and easy.

Local team support

We’re close by so we can help or answer questions throughout the construction process.

Disbursements at your pace

Get funds when you need them to pay subcontractors and purchase materials, keeping construction on pace.

Funding your way

We make funds available how you want them, through direct deposit, wire transfer or check (including two-party checks if needed).

A better way to manage construction loans

Built benefits

Faster draws.

See a reduction in draw turnaround time, pushing projects forward faster.

Digital experience.

No more paper management. Built is tailored to meet the needs of your project and accessible online anytime, anywhere.

Project tracking.

Easily monitor construction progress updates in real-time. Inspectors can log progress directly into Built for visibility.

Portfolio visibility.

Gain visibility into your overall exposure to help determine your budgets and spending.

Frequently asked questions

First Financial Bank has partnered with Built Technologies, Inc. (“Built”) to provide software that manages your construction draw process with transparency for all parties. Draws should be requested online through the Built platform. If you do not have a login for Built, you will be sent a welcome email when the loan closes.

Builders are typically permitted to make one draw per month.

The typical draw disbursement turnaround time is 3-5 business days.

The Builder is permitted to request a closing draw amount for up to 10% of the total project amount at closing.

Builders may request 7 draws during construction and a final draw upon completion of the project. If additional draws are needed, please notify the Mortgage Loan Officer as soon as possible.

Funds will be sent one of the following ways:

  • Directly, crediting a Builder-related First Financial Bank checking account
  • Checks made payable to the Borrower and/or the Builder/General Contractor
  • Wire transactions to a Builder’s account per the Funding Authorization Form

All inspections are performed by third party inspectors contracted by First Financial Bank.

Funds are disbursed based on completion percentages. Please see “Construction Inspection Report” for percentages used to calculate disbursements.

Change orders must be reviewed and approved, in advance, by First Financial Bank. If change orders exceed the amount of the contract at closing, the Borrower(s) is responsible for overages as the work is completed. Overages may not be left to be paid on the final draw.

Change orders associated with the construction project should be uploaded to Built or emailed to the Construction Funding Services team at mortageconstruction@bankatfirst.com.


See a mortgage loan originator for details. All loans are subject to credit review and approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

NMLS# 619717.