Owner Builder Construction Loan
We are committed to helping you obtain a competitive Construction Loan up to 100% of your total project cost with a low One-Time Close 30-Year Fixed-Rate Option.
Owner Builder Projects
Discover why BUILDER LOANS is the right choice for your Owner Builder project; click the link below to schedule a call now.
Flexible Draws
BUILDER LOANS offers a complete construction loan solution with flexible draw disbursements, for high leveraged construction projects.
Unique Property Structures
Accessory Dwelling Units (ADU), Modular Structures, Kit Homes, Off-Grid, Subdivision & Multi-Family Property Structures.
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FINANCING

Construction Loan Financing

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.

WE MAKE IT EASY.

Find your Construction Loan with Builder Loans.

We make it easy.

ONE-TIME CLOSE

Construction and Permanent Financing, All-In-One as a One-Time Close 30-Year Fixed-Rate Construction Loan.

100% CONSTRUCTION FINANCING

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

OWNER-BUILDER LOANS

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

ADU, MODULAR & PRE-FAB

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

Single-Family Residence

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.

9-24mo. 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.

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.

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.

Single-Family Residence

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.

9-24mo. 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.

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.

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

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.

12-36 mo. Interest Only

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

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.

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.

Subdivision & SPEC

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.

12-36 mo. Interest Only

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

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.

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

Our lenders stay directly involved with each construction project from the day of the application through loan payoff to maintain a smooth transition. With such outstanding access to key decision-makers, and streamlined document process, we are able to facilitate a clean and easy construction loan for you.