Ground Up Construction Financing:

80 - 90% Loan to Cost

Ground Up 

Construction Financing 

 Up to 70% of the After Completed Value.

🔨🏠 *A Golden Opportunity in the World of Housing Construction - Unearthed by!* 🏠🔨

The ripples of the 2008 market crash are still echoing in the housing industry, and new housing starts haven't yet bounced back to their former glory. This scenario creates the perfect storm for in-fill developers, general contractors, developers, and real estate investors to step up and fill the growing demand for new, modern housing.

Despite the upward creep of interest rates, the demand for affordable, secure, spotless new homes in prime markets refuses to step back. It's a trend that's not just holding steady - it's soaring! Savvy builders are rising to the occasion, innovating to breathe life into new projects or revive stalled ones.

This is where we step in. At, we're not just observers - we're your partners in making the dream of modern, affordable housing a reality. Our Ground Up Construction loan programs are designed to be your financial backbone, whether you need $100,000 to jump-start a new affordable housing build or $3,000,000 to bring a high-end custom home to life. - Where Construction Dreams Meet Financial Solutions!

Please submit the executed application form to to begin the application and intake process.

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Please feel free to contact our office at:


Residential Ground-Up Construction Financing: 

90% Loan to Cost up to 70% of the After Completed Value

If you're looking for a loan to build a non-owner-occupied residential property, townhome, or condo, we have some great options available. Our loans range from $50,000 to $5,000,000 and offer terms of up to 18 months. However, it's important to note that we do exclude certain property types, such as mixed-use or commercial properties. So, let's work together to find the best loan option for your needs and get you the support you need to make your vision a reality.



New Entrants
Emerging Developers
Seasoned Developers
Experience: Deals Completed1 - 23 - 44 - 5
LTC:75% - 80%80% - 85%85% - 90%
Rate:10.5% -11.5% 10.5% -11.5%  
 10.5% -11.5%  
Origination Fee:2.5% - 3%2.0% - 2.5%1.5% - 2.0%
Term:12 - 18 Months 12 - 18 Months  
 12 - 18 Months  
FICO:680 Minimum660 Minimum640 Minimum


Looking for comprehensive construction financing? Look no further!

At, we are committed to turning your dreams into reality with our Residential Ground Up Construction Program. Whether you are a seasoned developer or a passionate self-builder, we are here to fuel your ambition.

We offer:

  • A full 90% Loan to Cost that covers Land Acquisition and soft and Hard Construction Costs, giving you the flexibility you need to manage your project effectively.
  • Funding for up to 70% of the After Completed Value. Your success is our success, and we aim to maximize the potential of your property.

But that's not all! We take experience seriously, and we're excited to support you if you have prior projects of similar size or if you have added significant square footage to a property.

Whether your project is in the heart of a bustling metropolis, a peaceful suburb, or even in a picturesque rural setting (on a case-by-case basis), we've got you covered. The best part? Our program mandates a minimum of 20% profit margin, ensuring your venture is always successful.

So why wait? Let's build your future, brick by brick, with the Residential Ground Up Construction Program at!

The Process: 

Step 1. Submit your application along with the initially requested documentation.
Step 2. Affix your signature on the Letter of Interest.
Step 3. Acknowledge and sign the Disclosures.
Step 4. Schedule and conduct a Site Inspection/Appraisal.
Step 5. Send your application for Underwriting.
Step 6. Resolve all outstanding conditions.
Step 7. Accept the terms via a Conference Call.
Step 8. Mortgage documents are forwarded to the Title.
Step 9. Distribute the Settlement Statement and provide instructions for closing.
Step 10. Finalize the process with the Closing.