Construction Loan Financing

We are committed in helping you obtain a competitive construction loan for your project and navigate you through the common risk, complexities, and challenges within construction financing.

1-4 Unit Residence
Up to 100% Construction Loan Financing, One-Time Close Fixed Rate Options.
Owner Builder Financing
Providing land acquisition, development, construction and revolver line-of-credit for builders on residential and multi-family projects.
Flexible Draws
BUILDER LOANS offers complete construction loan solutions with flexible draw disbursements, for high leveraged construction projects.
Unique Property Structures

Modular Homes, Accessory Dwelling Units (ADU), Off-Grid Property, AD&C Financing.

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Owner Builder Construction Loans

BUILDER LOANS has been committed to helping customers obtain competitive construction loans and owner builder construction loans for projects along the West Coast. We help navigate through the complexities, challenges, and common risks for Single-Family, Subdivisions and Multi-Family, Accessory Dwelling Units, Prefabricated, Modular, and Off-Grid Property property structures.

One Time Close

One-Time Close

Accessory Dwelling Units, Modular, and Prefabricated Structures are allowed and receive an upfront draw on material and pre-order items.

Owner Builder Loans

Owner-Builder Loans

Manage your own project, act as a project manager, hire subcontractors and pay vendors and suppliers directly.

100% Financining

100% cONSTRUCTION Financing

Higher than average LTV (Loan-to-Value) financing allows you to finance all construction cost including; prepaids, contingencies, and remaining balance on your land loan.

ADU Modular

ADU, Modular & Pre-fab

Accessory Dwelling Unit (ADU), Modular, and Prefabricated Structures are allowed and receive an upfront draw on material and pre-order items.

Single-Family Residence

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100% Construction Financing
 Higher LTV (Loan-to-Value)

Higher than average LTV (Loan-to-Value) financing allows you to finance all construction cost including; prepaids, contingencies, and remaining balance on your land loan.

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TERMS

9-24-mo. Interest Only During Construction

Allows you only to pay one set of closing costs and not to have to re-qualify for a fix-rate term after construction is complete.

Construction terms range from 9 to 24 months, depending on the size and scope of the project.

Loan Payments are Interest-Only and are calculated based on funds used.

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RATES FROM

3.25% One-Time Close, 30-Yr Fixed

Rates vary based on Index + Margin, credit scores, LTV, LTC, FICO, property type and purpose.

Construction Loan Payments are Interest-Only and are calculated based on funds used.

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EXCEPTIONS & REQUIREMENTS
Pre-Start & Land Financing

A Pre-Start is allowed by exception only on horizontal construction.

Land Loan: Available at 75% Loan to Value with a FICO score of 720 or above.

Subdivision & SPEC

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75% Construction Financing
up to 15% from improved value

75% financing on subdivision projects with a minimum 15% equity to come from prepaids, property improvements or other soft-costs.

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TERMS

12-36 mo. Interest Only

Payments are Interest-Only and are calculated based on funds used.

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RATES FROM

4.75% (Index + Margin)

Rates vary based on Index + Margin, Credit, LTV, LTC, Property Type, and Purpose. 

Construction Loan Payments are Interest-Only and are calculated based on funds used.

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EXCEPTIONS & REQUIREMENTS

Cross-Collateralization & 700 FICO

Cross-Collateralization: Allows you to pledge other property as collateral to offset the equity and down-payment requirement.

Credit: A minimum 700 FICO score is required with no derogatory history in the last 4 years.

Getting started is easy

Request a Call

While the journey to a successful project isn’t always a straight line, having the right financial partner by your side makes all the difference. BUILDER LOANS is excited to be the partner who helps you achieve your goals and is committed to sticking by you every step of the way.