Ground-up construction loans
Build to sell or build to rent, with up to 100% of construction costs financed and funds released as you build.*
*For qualified borrowers and projects. Terms vary by experience and project.
Built for builders
100% of Construction Costs
Finance the full build budget on qualifying projects.*
Draws Without the Wait
Send progress updates and we release the funds, so the build keeps moving.
Build to Sell or Rent
Sell when it's done, or refinance into one of our rental loans and hold.
How draws work
Close
Your construction budget is set aside and ready to draw.
Build
Complete a phase of the work.
Send an Update
Share your progress, often just photos through the app.
Get Funded
We release the funds, and you keep building.
Construction questions
Do I need building experience?
Experienced builders get the best terms, and we have options for investors building their track record with an experienced general contractor.
Can my land count toward my down payment?
Often, yes. If you already own the lot, its value can count toward your share.
What do I need to apply?
Plans, a line-item budget, your builder's info, land details and your timeline.
How long do I have to finish the build?
Loan terms run 12 to 24 months, depending on the project and program.
Can I keep the property as a rental when it's done?
Yes. Refinance into one of our rental loans once the property is built and leased.