Programs

Construction Loans

Construction Loans for Residential and Commercial Projects

Up To

Loan Program 

Primary or Secondary Residence Construction Loan “Our one-time close, fixed rate construction loan is perfect for owner-builders looking to finance their primary or secondary residence.” 

Up To

0 %
LTC
0 mm
Max Loan Amount
0 %
LTV
1 Time Close
Fixed Rate Loan
Interest Rate
Documentation Type 
180Day SOFR + 2.75
Full Documentation

PROGRAM ADVANTAGES: 

  • 720 Min Fico Score Required 
  • 12-36 Month Construction Term
  • One-Time Close Fixed Rate Loan 
  • 5,7,10,30 Year Fixed Rate Terms Available
  • Interest Only Payments are Based on Funds Drawn
  • No Prepayment Penalty
  • Owner Builder Okay
  • Prestarted Projects Okay
  • Float Down Option Available
  • Upfront Draws on Select Pre-order Materials Allowed

PROGRAM GUIDELINES: 

  • 2 Years of Full Income and Asset Documentation
  • Primary or Secondary Residence
  • Single Family and 1-4 Unit Property Types
  • ADU, Modular or Pre-Fab Structures Allowed
  • 50% DTI (Debt-To-Income)
  • Rates Based on 120 Day SOFR + Margin

PROGRAMS AVAILABLE IN: 

Nationwide

Loan Program 

Subdivision or Build to Flip Construction Loan
“Get the financing you need for your next subdivision or build-to-flip project with our construction loan options.”
UP TO: 
75% LTC 
65% LTV 
20mm Max Loan Amount 
12-36 Month Construction Loan 

PROGRAM ADVANTAGES: 

  • 700 Min Fico Score Required
  • 12-36 Month Construction Loan
  • Interest Only Payments are Based on Funds Drawn
  • Sliding Scale Prepayment Penalty
  • Prestarted Projects Allowed 
  • Upfront Draws on Select Pre-order Materials Allowed

PROGRAM GUIDELINES: 

  • 6 Month Bank Statements Prequalification Required
  • Single Family and 1-4 Unit Property Types
  • 6 Simultaneous Prestarts
  • Prior Experience Required
  • 12 Months Interest Reserve Required
  • 10% Contingency Required
  • Rates Based on US Prime Rate + Margin

PROGRAMS AVAILABLE IN: 

CA, WA, OR, AZ, CO, TX, NC, VA, NJ, TN GA, FL, DC, PA, NY 
Interest Rate
Documentation Type 
Prime + 2 
6 Months Bank Statements 

Loan Program 

Multifamily or Build to Rent Construction Loan
“Get financing for your multifamily or build-to-rent construction project with our flexible and competitive loan options.” 
UP TO: 
75% LTC 
65% LTV 
10mm Max Loan Amount 
12-36 Month Construction Loan 

PROGRAM ADVANTAGES: 

  • 700 Min Fico Score Required
  • 12-36 Month Construction Loan
  • 20 Year Takeout Financing
  • Interest Only Payments are Based on Funds Drawn
  • Sliding Scale Prepayment Penalty
  • Prestarted Projects Allowed 
  • Upfront Draws on Select Pre-order Materials Allowed

PROGRAM GUIDELINES: 

  • 6 Month Bank Statements Prequalification Required
  • Prior Experience Required
  • 12 Months Interest Reserve Required
  • 10% Contingency Required
  • Rates Based on US Prime Rate + Margin

PROGRAMS AVAILABLE IN: 

CA, OR, WA, TX 
Interest Rate
Documentation Type 
Prime + 2 
6 Months Bank Statements 

Loan Program 

ADU (2nd Lien Position) Construction Loan 
“Get ADU construction financing in a 2nd lien position with 10-year interest only payments. Qualifications based on projected rents for maximum financial flexibility.” 
UP TO 
90% CLTV 
500k Max Loan Amount 
One-Time Close Fixed Rate Loan 

PROGRAM ADVANTAGES: 

  • 640 Min Fico Score Required
  • 12 Month Construction Term
  • 2nd Lien Position
  • One-Time Close Fixed Rate Loan
  • Interest Only or 20 Year Fixed Available 
  • Interest Only Payments are Based on Funds Drawn
  • No Prepayment Penalty
  • Owner Builder Okay

PROGRAM GUIDELINES: 

  • 500,000 Maximum Loan Amount
  • 2 Years of Full Income and Asset Documentation
  • Primary Residence Only
  • 45% DTI (Debt-To-Income)
  • Rates Based on Prime + 1

PROGRAMS AVAILABLE IN: 

AL, CA, AR, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MT, NE, NH, NJ, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, WI, WY 
Interest Rate
Documentation Type 
Prime + 1
2 Years of Full Income and Asset Documentation