Find out updated rates and new programs!
Ground‑Up Construction Loans
Finance land + vertical construction with investor‑focused terms and streamlined inspections.
Current as of September 7, 2025
Guidelines shown are typical program targets and may vary by market, sponsor experience, and underwriting.
Benefits to Borrowers
Land + Vertical in One
Consolidated financing for acquisition and construction.
Interest‑Only During Build
Lower payments while you complete the project.
Fast Draws
Streamlined inspections and quick disbursements to keep crews moving.
Experienced Builder Discounts
More favorable pricing for repeat, on‑time builders.
Up to 100% Hard Costs
Finance materials and labor for eligible budgets.
No Junk Fees
Transparent terms without surprise add‑ons.
Frequently Asked Questions
Answers to common Ground‑Up Construction questions. Terms may vary by market and credit profile.
What projects are eligible?
Infill residential 1–4 units and townhomes. Small multifamily and ADUs may be considered case‑by‑case. Rural properties are generally ineligible.
Can you finance land purchase?
Yes, subject to entitlement and feasibility. Typical maximum advance is capped to a portion of land value within overall LTC/ARV limits.
Are permits required at closing?
Yes—approved plans and permits are typically required prior to closing or prior to first draw.
How do construction draws work?
Funds are disbursed in stages after inspections confirm completed work. Turnaround is designed to be quick to minimize delays.
Is an interest reserve included?
Often yes, depending on budget and leverage. The reserve may be built into the total project costs.
What experience is required?
Prefer prior successful builds or strong GC partners. First‑time builders may be considered with compensating strengths.
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