Residential Construction Loans


We have residential construction loan programs to fit almost every need and situation. Specializing in construction financing since 1994, we have our fingers on the pulse of today’s Construction Loan market.

We can offer both Owner Occupied and Non Owner Occupied Construction Financing. Many of our programs will provide for the loan to pay off existing land loans.

We also have lenders who specialize in high end custom homes both owner occupied and for sale properties.

shutterstock_2774220Construction to Permanent (One Time Loan) or Construction Only

  • One loan
  • One set of fees
  • Owner occupied
  • Borrower must use a General Contractor
  • Loan to Value ratios vary with lenders, but can go as high as 90%
  • 6, 9, 12, or 18 month construction terms
  • Loans greater than $3,000,000
  • 1, 3, 5, 7, 10, 15 or 30 year Fixed Rates

Construction Continuation Loans

For those who have already started their projects but have ran out of funds or realize that they will need additional funds. We have programs that will allow you to finish your home. Call us to get the details.

Land Only Loans

Would you like to buy the land now and build in the future? We have some lenders who still have land loans. Generally, land loans are easier to complete if they are done as part of a ‘construction’ loan. However we have sources for land only loans. We also have sources for refinancing land loans.

  • Excellent credit generally required
  • Full income documentation
  • Two or five year terms

Owner Builder construction Loans

Owner Builder programs are designed for you to act as your own General Contractor. While most of these programs have disappeared from the market we still have programs that will do Owner Builder Loans.

shutterstock_3659196Remodel or Home Addition Loans

Maybe you love your neighborhood and home and would prefer to remodel or add on but are not sure if you have enough equity; We have programs specifically designed for remodel & additions. Guidelines are similar to that of the Construction-to-Permanent loan parameters. We also have sources who supply government 203K loans.