Ground Up Construction Financing:

80% 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: 

Updated as of 5/15/2023

80% Loan to Cost up to 70% of the After Completed Value

Collateral Type: Residential 1 to 4 Units only. 

Closing Timeframes: Close in 7-10 days or less. 

Term: 1 Year Term up to 18 Months with 2 Extension Options 

Rates and Origination Fees: are determined by your Experience, Credit, Capital Reserves, and the project's location. Please see the experience matrix below. 

Loan Amount: from $150,000 to $3,000,000 per individual housing unit. 

Experience:                                                                     Projected Loan to Cost:     Points:  Rate: 

3 Deals Must have a GC License65% Loan to Cost3.5%12.50%
4 Deals Must have a GC License75% Loan to Cost3.0%12.00%
5 Deals No GC License Required80% Loan to Cost2.5%11.50%

Experience in Large-scale Construction: This program necessitates a background in undertaking construction projects from scratch of comparable size, or an extensive overhaul of the property in question, involving a considerable increase in its total square footage.

Loan to Cost (LTC): The computation for the LTC in this scheme includes three main elements - the expense of acquiring land, soft costs of construction, and hard costs of construction.

Location Preferences: Projects in urban or suburban areas are more likely to be favored. Proposals in rural locations may be accepted but will be subjected to lower loan-to-cost and after-repair-value parameters.

Procurement of Land: The scheme allows the borrower to purchase land for their intended construction project.

Post-construction Value (ARV): The scheme is equipped to provide loans up to 70% of the property's value once construction is completed.

Required Profit Margin: The scheme stipulates that there must be a minimum profit margin of 20% overall, after deducting all costs related to the project.

🔨🏠 **Build Your Dreams From The Ground Up with!** 🏠🔨
Looking for robust construction financing? Look no further! We're committed to turning your visions into reality with our **Residential Ground Up Construction Program**. Whether you're a seasoned developer or a passionate self-builder, we're here to fuel your ambition.
We offer:

- A FULL **80% Loan to Cost** that covers Land Acquisition, 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 value experience, and we're excited to support you if you've got prior projects of similar proportions, or if you've added substantial square footage to a property.

Whether your project is in the heart of a bustling metro, a serene 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! 🚀🏗️

* - Fueling Your Construction Dreams!*

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.