Construction Loans -Build Your Future Portfolio
Specialized Ground-Up Financing
Our Investor Construction Loan is the ideal financial partner for real estate developers and investors focused on ground-up construction, major additions, or substantial redevelopment projects. This specialized financing provides the flexible capital structure needed to turn raw land into profitable, high-value assets.
Why Investors Choose Construction Loans
Construction financing requires a tailored approach. Our loans are designed to match the specific demands of the building process, ensuring capital efficiency and project control.
1. Staged Funding (Draws): Optimized Cash Flow: Unlike lump-sum loans, capital is released in phases (draws) as construction milestones are met. This structure reduces your interest burden, as you only pay interest on the funds you have actually used.
2. Cover All Project Costs: Comprehensive Capital: These loans cover every component of your project, including the acquisition of land, all hard construction costs (materials and labor), and soft costs (permits, architectural fees, and interest reserves).
3. Build-to-Maximize: Custom ARV: When you build new, you control the final product. This allows you to integrate the latest features and energy efficiencies demanded by today's buyers or renters, ensuring the highest possible After Repair Value (ARV) or appraisal value upon completion.
How It Works: The Construction Draw Process
Our process ensures transparency and control throughout your building timeline.
- Plan Approval & Initial Draw: We review your architectural plans, budget, and timeline. The first draw typically funds the land purchase and initial site work.
- Milestone Inspections: As your contractor completes specific phases (e.g., foundation, framing, roofing), an inspector verifies the work.
- Scheduled Draws: Upon verification, the next portion of the funds is released directly to your project to cover incurred costs.
- Project Completion & Exit: Upon final inspection, the Certificate of Occupancy is issued. The loan can then be repaid through the sale of the property or converted into long-term rental financing (a permanent loan).
Why Work With Us?
As your mortgage partner, we specialize in helping buyers navigate unique programs like construction loans
- Shops rates across multiple wholesale lenders to ensure you get the best deal
- Explains the process clearly and acts as your fiduciary guide
- Helps you maximize program benefits
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