Ground-Up Construction loans finance new residential builds — from raw land through certificate of occupancy. Draws are released against verified progress, so the loan moves with your build, not against it.
Built for developers and experienced builders who want a direct lender that understands construction timelines, change orders, and how to underwrite a project that doesn't exist yet.
Typical Ground-Up terms — exact pricing depends on builder experience, plan, and market.
Clear draw schedule matched to your build phases. Submitted Monday, funded Wednesday.
High leverage on land + construction combined for experienced builders.
Underwriters who understand sub-trades, change orders, and weather delays.
Roll into a DSCR rental or sell upon completion. We map the exit before the first dig.
Soft-pull estimate based on land, build cost, and ARV.
Plans, budget, builder bio, and entitlements.
Underwriting confirms scope, draws, and orders appraisal.
Land + initial draw at close; subsequent draws by phase.
Soft credit pull. Two-minute estimate. NMLS #11252078.