Loan Program

Bring Your Next

Development Project to Life.

Business-purpose financing for investors building new residential investment properties from the ground up.

Program Overview

Ground-up construction financing funds a new build from land through completion. The review centers on the project: the plans, the budget, the site, and the team executing the work.

Because there is no existing structure or income to underwrite, the accuracy of the construction budget and the credibility of the build schedule carry most of the review.

Common Financing Use Cases

  • Building a new residential investment property on owned or newly acquired land
  • Small residential development projects
  • Spec builds intended for resale or long-term hold
  • Projects requiring funds released against a construction schedule

Key Considerations

  • Plans, specifications, permits, and a detailed construction budget are part of the review
  • The builder’s experience and licensing are reviewed with the project
  • Funds are released through draws tied to completed milestones
  • Contingency planning for the build timeline is part of a well-structured file

Talk through your project

Share the property, the numbers, and the plan. You’ll get a clear view
of what may be available for your scenario.


Start the application


Contact options

The process

A Clear Path for

Your Next Investment.

1

Select Your Loan Program

Choose the financing category that matches the project in front of you.
2

Share Your Project Details

Tell us about the property, the numbers, and the plan for the project.
3

Submit Your Request

Send your information through the application and receive a reference number.
4

Discuss Available Financing Options

Review what may be available for your scenario and what the next steps look like.

FAQs

Ground-Up Construction Loans FAQ

The site, the plans and specifications, the construction budget, permits, and the team building the project. Specific requirements are confirmed for your project.

Construction funds are typically released in draws as milestones are completed and verified. The draw process is explained before closing.

Existing land can often be part of the structure. How it is treated depends on the project and is reviewed case by case.

The programs here are focused on residential investment projects. Larger or non-residential development falls outside these programs.