[fusion_builder_container hundred_percent="no" hundred_percent_height="no" hundred_percent_height_scroll="no" hundred_percent_height_center_content="yes" equal_height_columns="no" menu_anchor="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" status="published" publish_date="" class="" id="" background_color="" background_image="" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" enable_mobile="no" parallax_speed="0.3" video_mp4="" video_webm="" video_ogv="" video_url="" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" video_preview_image="" border_size="" border_color="" border_style="solid" margin_top="" margin_bottom="" padding_top="" padding_right="" padding_bottom="" padding_left=""][fusion_builder_row][fusion_builder_column type="1_1" spacing="" center_content="no" link="" target="_self" min_height="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id="" background_color="" background_image="" background_image_id="" background_position="left top" background_repeat="no-repeat" hover_type="none" border_size="0" border_color="" border_style="solid" border_position="all" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="" margin_bottom="" animation_type="" animation_direction="left" animation_speed="0.3" animation_offset="" last="no"][fusion_accordion type="" boxed_mode="" border_size="1" border_color="" background_color="" hover_color="" divider_line="" title_font_size="" icon_size="" icon_color="" icon_boxed_mode="" icon_box_color="" icon_alignment="" toggle_hover_accent_color="" hide_on_mobile="small-visibility,medium-visibility,large-visibility" class="" id=""][fusion_toggle title="What should I consider before building a new home?" open="yes"] Building a home doesn't have to be overwhelming. Knowing what to expect will help simplify the process. [/fusion_toggle][fusion_toggle title="What happens during construction?" open="no"] Your builder will have scheduled draw payments for completed work You will have periodic inspections of the home as it is being built [/fusion_toggle][fusion_toggle title="What's your budget?" open="no"] To know your budget, you should contact a lender below about construction loans. Together you can determine how much you will be able to spend. Keep your household budget in mind, too. You may not want to borrow as much as we can offer, you will need room for other monthly expenses after you move in. [/fusion_toggle][fusion_toggle title="Where do you want to build your home?" open="no"] When you're choosing a lot, look into its zoning. Local ordinances can affect the type of home you can build, where you can build it, whether you can have additional structures, and more. If you already own your lot, good news: You can use it as equity when you set up your financing. [/fusion_toggle][fusion_toggle title="Who is your builder?" open="no"] You'll need a licensed builder to get a construction loan. Be sure to verify their licenses, check references and speak with them about your plans. By vetting the builder, you'll increase your comfort level and decrease your exposure to legal complications. Incidentally, Pioneer Bank requires homeowners insurance that includes builder's risk coverage. This helps protect you while your home is being built. [/fusion_toggle][fusion_toggle title="When can you move in?" open="no"] After the final inspection, you will receive your certificate of occupancy. Then you are all set to move in - and since the home is complete, you loan will be refinanced to a permanent mortgage. [/fusion_toggle][/fusion_accordion][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

FAQs Archive

Pioneer Customer Support

Pioneer_Admin2025-06-10T11:27:37-06:00June 10th, 2025|

For assistance with your Pioneer Bank Accounts, please utilize the following Customer Support Options: 800-624-5200 https://pioneer.bank/contact-pioneer-bank/ Pioneer Bank Privacy Policy Relay Network Privacy Policy

Is this feed directly linked to my accounts or online banking with Pioneer Bank?

Pioneer_Admin2025-06-10T11:27:58-06:00May 15th, 2025|

No, you will still have your own separate login credentials for online banking via pioneer.bank and to bank via our mobile app.

What if I never received the SMS that was sent to me?

Pioneer_Admin2025-06-10T11:28:26-06:00May 15th, 2025|

Please contact our Customer Care line at 800-624-5203 to confirm the mobile number we have on file for you is correct. Please know that some mobile phones and carriers suppress SMS text messages from short codes. Please confirm the settings on your phone allow for short code notifications. If you are having difficulty locating

Will my information be sold to a third party?

Pioneer_Admin2025-06-10T11:28:33-06:00May 15th, 2025|

Your information is secure and will never be sold to a third party. Please click here to view Pioneer Bank’s full privacy policy.

I accidentally opted out or texted in STOP, how do I sign back up to receive messages?

Pioneer_Admin2025-07-15T10:17:05-06:00May 15th, 2025|

Contact our Customer Care line at 800-624-5200 and let them know you would like to begin receiving messages again.

Can I opt out of the service? If I no longer want to receive these text messages, what do I do?

Pioneer_Admin2025-06-10T11:28:49-06:00May 15th, 2025|

You can opt out of receiving notifications at any time by going to the most recent message you received from 68933, and text STOP.

Is there a cost to this service?

Pioneer_Admin2025-06-10T11:28:57-06:00May 15th, 2025|

The service is free, but depending on your mobile plan, standard message and data rates may apply. Message & Data Rates may apply disclaimer is included with every SMS text message. You have the ability, to opt out by replying STOP to any text message.

What are the benefits of this service?

Pioneer_Admin2025-06-10T11:29:03-06:00May 15th, 2025|

This is the fastest and easiest way to stay on top of your most important communications. This complimentary service helps you stay informed and get things done quickly and easily. Pioneer Bank will notify you with a text when you have important account or product-related messages that need your attention. This is a web-based

What is this service?

Pioneer_Admin2025-06-10T11:29:09-06:00May 15th, 2025|

This is a free1, secure and personalized mobile communication tool, providing you relevant information about your account and other educational content. When you are connected to the free1 service, a personal message feed will be automatically created for you. An SMS text message from 68933 (that’s Pioneer Bank!) will be sent to your mobile

Building a Home

Pioneer_Admin2019-03-08T10:59:22-07:00March 8th, 2019|

Building a home doesn't have to be overwhelming. Knowing what to expect will help simplify the process. Your builder will have scheduled draw payments for completed work You will have periodic inspections of the home as it is being built To know your budget, you should contact a lender below about construction