by Darcie Duranceau
How Security Federal Savings Bank Supports You Every Step of the Way
Few new homeowners would describe their home building process as a seamless experience, but the right financial advisor can transform one aspect of a home build entirely. Security Federal Savings Bank (SFSB) understands the unique needs of those building a custom home. They work together with clients throughout the entire process, even connecting directly with builders like Derrick Bailey of Tikal Homes, to ensure everything goes smoothly.
WORKING TO ADDRESS INDIVIDUAL NEEDS & EXPECTATIONS
One key to a smooth building process is understanding your financial landscape from the outset. Denise Abshire, Construction Loan Officer at SFSB, emphasizes the importance of early preparation.
Many people understand that they will only be responsible for interest-only payments during the build, but they may assume that they only must qualify for that smaller amount, for instance. That’s not true.
“I think oftentimes folks that are in that less than $1 million price range typically have a mortgage for their current home. So, you’re asking them to get qualified based on the debt they already hold and the full value of the new build,” says Abshire. It’s about learning, setting realistic expectations, and exploring creative solutions.
GOING ABOVE AND BEYOND TO KEEP PROJECTS MOVING FORWARD
SFSB works closely with local builders to ensure a streamlined process.
“At Tikal Homes, we approach every build as if we’re crafting a home for our own family. That means no shortcuts, obsessive attention to detail—even in the parts you don’t see—and a client first process that’s as smooth as the final finish. What really sets us apart is our commitment to quality and communication from the ground up,” says Bailey.
Bailey says that’s also why they love partnering with SFSB. Denise and her team understand the nuances of construction lending, and more importantly, they care.
“When the builder and lender are aligned like this, the client wins every time,” says Bailey. This collaborative approach fosters clear communication and efficient handling of the construction loan draws, keeping projects on track.
The dedication to client support is echoed by industry partners. Heather Stevens from Stewart Title says, “Denise’s commitment to keeping everyone informed means there are never any surprises—just efficient, well-executed closings. She’s a true professional and a valued partner in every transaction we handle together.”
SFSB is committed to providing the expertise and support needed to build your dream home with confidence, every step of the way.
