Finance Your Ground-Up Build
Construction loans for residential and commercial developers. Up to 90% LTC, interest-only draws during construction, and flexible 12–24 month terms.
Get Construction Financing Speak with a SpecialistConstruction Loan Program Details
Financing for ground-up residential and commercial construction projects in Arizona, California, Nevada, Washington, and Colorado.
Ground-Up Construction
Finance new residential and commercial construction from lot purchase through certificate of occupancy. Up to 90% of total project cost.
Interest-Only Draws
Pay interest only on funds drawn during construction. Flexible draw schedule aligned with construction milestones — no unnecessary carrying costs.
12–24 Month Terms
Construction loan terms of 12 to 24 months with extension options. Permanent financing (DSCR or conventional) available upon completion.
Experienced & First-Time Builders
Programs available for experienced developers and first-time builders. Mentorship and oversight requirements may apply for first-time projects.
Residential & Commercial
Finance single-family, multifamily, mixed-use, and light commercial construction projects. Spec homes and custom builds both eligible.
Streamlined Underwriting
Qualification based on project feasibility, ARV, and borrower experience — not just personal income. Fast approvals for qualified projects.
Construction Loan FAQ
What is a construction loan?
A construction loan is short-term financing used to fund the building of a new property. Funds are disbursed in draws as construction milestones are completed. Upon completion, the loan is typically refinanced into a permanent mortgage.
What is LTC?
LTC (Loan-to-Cost) is the ratio of the loan amount to the total project cost (land + construction). Up to 90% LTC means we can finance 90% of your total project cost.
Do I need W-2s or tax returns?
Not necessarily. Qualification is primarily based on the project's feasibility, the after-repair value (ARV), and your experience as a builder or developer.
Can I get permanent financing after construction?
Yes. We offer DSCR rental loans and other permanent financing options to refinance your construction loan upon project completion.