Lot Loans

• 65% up to $650,000 (680+ fico required)
• up to 80 acres personal / hobby farms 120 acres

Primary Residences/Renovations

• ***NO OWNER BUILDERS***
• Interest-only during construction
• 12-18 months construction terms
• Departing residence housing expense not included in debt ratios
• Single-family residences detached, 1-2 units allowed
• Modular Homes allowed
• Detached Condominiums allowed
• Planned Unit Developments (PUD) allowed

Construction 1-2 Unit Primary Residences 

• 95% to $1,089,300 No PMI (700+ fico score)
• 90% to $1,500,000 No PMI
• 80% to $2,000,000 
• Up to 18 months construction period
• 100% of construction cost can be financed using “Future Value” (lot equity included) appraisal 

Construction 1-2 Unit Second Homes

• 80% to $750,000 (700+ fico score)
• 75% to $1,000,000 
• 70%  to $1,500,000 

Construction loans are different animals. They have different rules and qualifying criteria. No feeling is worse than not qualifying for the loan after you are committed to a lot and builder. It makes for a REALLY bad day and a big mess. All of the loan officers listed on this site specialize in Construction Loans ONLY. They are battle-tested, seasoned, and recommended by your peers. Give them a call!

Do you want Construction Loan Specialist to contact you? We’ve made it really easy. Drop your name and phone number in the form on this page, and we’ll let him know you’re looking for him.