Loan Program
Ground-Up Construction
Financing for new builds from the ground up.
Ground-up construction loans fund the land and the build for investors developing new single-family, multi-family and mixed-use properties, with up to 100% of construction costs financed.
Key highlights
- Up to 80% total loan-to-cost
- Up to 100% of construction financed
- Rates from 10.99%
- SFR, multi-family & mixed-use
- 1 completed ground-up project required
- 12 – 24 month terms
- $75K – $10MM · refi or purchase
- 680+ credit score
Who it's for
- Builders and developers
- Investors building spec homes
- Infill and multi-family projects
Program guidelines at a glance
- Leverage
- Up to 80% total loan-to-cost, with up to 100% of construction financed.
- Rate
- From 10.99%.
- Property types
- Single-family, multi-family, and mixed-use.
- Experience
- At least one completed ground-up project.
- Term
- 12 – 24 months.
- Loan amounts
- $75,000 – $10,000,000. Refinance or purchase.
- Credit
- 680+ FICO.
Educational guidance only. Loan terms, eligibility, and pricing are subject to lender underwriting, program guidelines, and approval.
Ready to explore a Ground-Up Construction loan?
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