Ground Up Construction Loans
Finance new construction projects from land acquisition through completion. Build custom homes, spec homes, or multifamily developments with flexible draw schedules.
Build Your Vision
We work with 50+ construction lenders to finance your ground-up projects. From lot purchase to final draw, we structure loans that work for builders, developers, and investors.
Construction Loan Programs
Financing for every type of new construction project.
Spec Home Construction
Build to sell — no end buyer needed
- Up to 85% of total project cost
- Loan amounts $150K – $3M+
- 12-18 month terms
- Interest-only during construction
- No pre-sale required
- Experience required (2+ builds)
- Single family or townhomes
Custom Home Construction
Owner-occupied or investor builds
- Up to 90% loan-to-cost
- Loan amounts $200K – $5M+
- 12-24 month terms
- Interest reserve available
- One-time close options
- First-time builders welcome
- Primary, second home, or investment
Multifamily Construction
Build 5+ unit apartment projects
- Up to 80% loan-to-cost
- Loan amounts $500K – $10M+
- 18-24 month terms
- Development experience required
- Stabilization period included
- DSCR exit to permanent financing
- 5-50+ unit projects
Land + Construction
Acquire lot and build in one loan
- Finance land acquisition + build
- Up to 75% of land value
- 100% of construction costs
- Single close simplicity
- Entitled or raw land
- Horizontal development available
- Infill or subdivision lots
Why Choose Us for Construction?
We understand builders and developers.
High Leverage
Up to 90% loan-to-cost. Keep more capital for other projects.
Flexible Draw Schedules
Draws released as milestones complete. Fast inspections, quick funding.
50+ Lender Network
We shop your deal to find the best terms and rates for your project.
Interest-Only Payments
Pay only on funds drawn. Lower carry costs during construction.
Fast Closings
Close in 2-3 weeks once plans and permits are in place.
Exit Strategy Support
Roll into DSCR or sell. We help plan your permanent financing.
How Construction Loans Work
From plans to completion in 5 phases.
Pre-Qualify
Submit plans, budget, and experience. Get approved in days.
Close Loan
Close on land or receive initial draw. Permits must be ready.
Build
Complete construction phases. Request draws at milestones.
Inspections
Lender inspects progress. Draws released within 48 hours.
Complete
Get C/O. Sell, refinance to DSCR, or convert to permanent loan.
Construction Loan Requirements
Experience
Spec builds typically require 2+ completed projects. Custom/owner-occupied more flexible.
Credit Score
Minimum 680 for most programs. Higher scores get better leverage and rates.
Down Payment / Equity
10-25% of total project cost. Land equity can count toward this.
Plans & Permits
Approved plans and permits required before closing (or shortly after).
Licensed Contractor
Must use licensed, insured general contractor. Some owner-builder options available.
Cash Reserves
6-12 months interest payments in reserves. Liquidity verification required.
Get Your Construction Loan Quote
Tell us about your project.
Ready to Break Ground?
Let’s finance your next construction project.