Ground-Up Construction Loans
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Ground-Up Construction Loans

Fund new-build projects from the lot to the finished home.

Lot to CompletionStaged Draw Funding100% Construction Financing24-Hour Draw Reimbursement
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Program Overview

How It Works

Ground-up construction loans fund new-build projects from land acquisition through completion, with staged draws that keep pace with your build schedule so your crews are never left waiting on capital.

Whether you're building a single spec home or a small multifamily project, our construction underwriting team structures financing around your build plan and budget.

Ideal For

  • Builders and developers running spec new-builds
  • Investors taking on their first ground-up project
  • Small multifamily ground-up construction

Program Features

Financing for land acquisition and vertical construction
Up to 100% of construction costs financed on qualifying deals
24-hour draw reimbursements during construction
Support for single-family and small multifamily new builds
Experienced construction underwriting team

Borrower Requirements

Minimum credit score ~680 (flexible based on deal strength)
Approved plans, specs, and construction budget required
General contractor or builder information required
Real estate investing experience NOT required
No recent major credit events (bankruptcy, foreclosure, etc.)

Got Questions?

Ground-Up Construction Loans FAQ

Do I need a licensed general contractor?+
Most ground-up deals require a licensed and experienced GC or builder on the project — either yourself, if qualified, or a third party.
How do construction draws work?+
Draws are requested in stages as construction milestones are completed, and reimbursed within 24 hours so your build never stalls.
What happens if my project goes over budget?+
Budget overruns are evaluated case-by-case — talk to your loan officer as early as possible if costs shift so we can work through options together.
Can I finance the land purchase and construction together?+
Yes. Ground-up construction loans can fund both the lot acquisition and the vertical construction costs in a single loan.

Explore More

Other Loan Programs

Fix & Flip

Finance the purchase and renovation of investment properties. Fund up to 100% of acquisition and 100% of rehab costs, sized off after-repair value.

Bridge

Short-term financing to bridge the gap between transactions — move on time-sensitive acquisitions, refinance, or reposition a property while you line up your long-term exit.

DSCR / Rental

Qualify based on the property's rental cash flow — not your personal income or tax returns. Built for buy-and-hold investors growing a rental portfolio.

Transactional Funding

Short-term funds to simultaneously close your A-B and B-C transactions on wholesale and assignment deals — typically funded and repaid within 24 to 72 hours.

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Ready to fund your ground up deal?

Submit your details and get a custom loan quote — no tax returns or lengthy bank process required.

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