Ground Up Construction

  • Project funding at initial stage or mid-construction
  • Major renovations or brand new construction with hold backs ≥ 50% of loan amount

The Most Common Ground Up Construction Loans

Construction-to-permanent loans

These loans provide funds to build your dwelling and for your permanent mortgage as well. This can only be acquired through banks and other traditional financial institutions.

Construction Only Loans

This option provides the funds to complete the building of a property.

Renovation Loans

This loan is for upgrading an existing home, rather than building one.

Owner Builder Construction Loans

These are construction or construction-only loans where you as the borrower also act as the home builder.

We offer flexible, comprehensive lending solutions for ground-up construction. We have a wide range of programs that are sure to meet your needs.


Property Type

Minimum Loan Amount $100,000
Maximum Loan Amount $75,000,000
Interest Rate Starting at 7.375%
Lien Position First Trust Deeds Only
Origination Fees Starting at 1% minimum
Loan to Cost up to 75%
Pre-Payment Penalty None
Loan Term 12 – 36 months
Property Types Single Family, Multi-Family, Mixed Use, Retail, Office, Industrial, Warehouse, and Entitled land development. 

Frequently Asked Questions

Is an appraisal needed?

Licensed appraisers estimate a home’s value. They do this by assigning value to the plot of land on which the building is to be built, of the property that is to be refurbished and then comparing it to comparable properties. The properties used for comparison are referred to as “comps” and they inform the perceived value of your property.

Is experience needed?

Yes, you would need to show the projects that you have done that are similar and recent, or some kind of experience that is commensurate to the project that you are looking to do.

Years in Business

Billion Dollars Funded

Closed Loans

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