Programs

Construction Loans

Construction Loans for Residential and Commercial Projects

Primary or Secondary Residence Construction Loan

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

Subdivision or Build to Flip

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

Multifamily or Build to Rent

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

ADU (2nd Lien)

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

Purchase Loans

Primary Residence

Loan Program

Primary Residence Purchase Loan
“Secure your primary residence with our flexible loan options – income verified through 24 months bank statements, Interest Only options available.”

UP TO
85% LTV
3mm Max Loan Amount
40 Year Fixed or Interest Only Options Available

PROGRAM ADVANTAGES:

700 Min Fico Score Required
40 Year Fixed or Interest Only Options Available
Sliding Scale Prepayment Penalty

PROGRAM GUIDELINES:

24 Month Bank Statement Program
2 Years Post Foreclosure, Short Sale or Bankruptcy
ADU, Modular or Pre-Fab Structures Allowed
50% DTI (Debt-To-Income)
Rates Based on 120 Day SOFR + Margin

PROGRAMS AVAILABLE IN:

Nationwide

Interest Rate	Documentation Type
Prime + 1	24 Month Bank Statement Program

Fix and Flip

Loan Program

Fix & Flip Purchase Loan
“Unlock the potential of your next fix and flip with our purchase loans – No income verification needed, Interest only payments based on funds drawn.”

UP TO:
85% LTC
75% ARV
100% Construction Cost
3mm Max Loan Amount
9-18 Month Construction Loan

PROGRAM ADVANTAGES:

700 Min Fico Score Required
9-18 Month Construction Period
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:

3 Month Bank Statement Program
Single Family and 1-4 Unit Property Types
Prior Experience Required
6 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 + 1.5	3 Month Bank Statement Program

Rental Property or Multifamily

Loan Program

Rental Property or Multifamily Purchase Loan
“Secure your rental property or multifamily purchase with our loan options. Verify income with 6 months of bank statements. Interest only payments based on funds drawn.”

UP TO:
80% LTC
75% LTV
10mm Max Loan Amount
10 Year Interest Only Loan

PROGRAM ADVANTAGES:

700 Min Fico Score Required
Interest Only Payments are Based on Funds Drawn
Sliding Scale Prepayment Penalty

PROGRAM GUIDELINES:

6 Month Bank Statement Program
Prior Experience Required
6 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 -.5	6 Month Bank Statement Program

Residential or Agricultural Land

Loan Program

Residential or Agricultural Land Purchase Loan
“Secure funding for your dream home or farm with our Residential or Agricultural Land Purchase Loan options.”

UP TO:
75% LTV
3mm Max Loan Amount
3/1 ARM 15 Year Amortization

PROGRAM ADVANTAGES:

700 Min Fico Score Required
Interest Only Payments are Based on Funds Drawn
3/1 ARM 15 Year Amortization
No Prepayment Penalty

PROGRAM GUIDELINES:

2 Years of Full Income and Asset Documentation
24 Months Interest Reserve Required
Rates Based on US Prime Rate + Margin

PROGRAMS AVAILABLE IN:

Nationwide

Interest Rate	Documentation Type
Prime	Full Documentation

Programs

Construction Loans

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