Corporate Office
12 Penns Trail Suite 138Newtown, PA 18940
CASH-OUT. REFINANCE. PURCHASE.
Construction
Financing
Designed exclusively for vacation rentals, our loan program ensures you get the best terms and support to maximize your investment success.
TALK TO AN INVESTMENT PROPERTY EXPERT
INVEST WITH CONFIDENCE
Construction Financing Highlights
Practical Underwriting for Short-Term Rentals: Our approach ensures a logical evaluation of your vacation rental income
Extended 30-Year Terms: Enjoy long-term stability with fixed 30-year terms and no balloon payments
Transparent Pricing: Experience straightforward, negotiable-free pricing that you can trust
Asset Protection: Secure your personal identity and assets by borrowing through a corporate entity
The How, The What, and The Why
New Construction Loans for Investors
Build from the Ground Up. Grow from the Foundation.
Are you a real estate investor ready to bring your vision to life—starting with a blank lot? Our New Construction Loans are designed specifically for experienced builders and investors looking to finance new residential or commercial construction projects from the ground up.
With flexible terms and fast funding, we help you move from concept to completion with confidence.
Loan Highlights
- Loan Term: 12 to 24 Months
- Loan Amount: Up to $10M
- Loan-to-Cost (LTC): Up to 85%
- Interest-Only Payments: Lower monthly payments during construction
- Fast Approvals: Get funded quickly so you can break ground without delays
What is a New Construction Loan?
A new construction loan provides the capital to finance the complete construction of a new property—starting from an empty lot. Unlike rehab loans or bridge financing, this type of loan covers everything from site preparation and foundation to the final finishes.
Perfect for:
- Residential developers building single-family homes or multi-family properties
- Commercial investors starting new mutkifamily or mixed-use projects
- Builders ready to scale projects quickly with private financing
How It Works
1. Application & Approval
Submit your loan application docs, project details, construction budget, and timeline. We'll evaluate the scope, exit strategy, and your experience. We'll order an appraisal to give us a sense of the market value.
2. Draw Schedule
Funds are released in stages based on construction milestones on a reimbursement basis.
3. Interest-Only Payments
You only pay interest during the loan term, preserving your capital for the build.
4. Exit Strategy
At project completion, refinance into a long-term loan or sell the property to repay the loan.
Why Choose Us?
- Investor-Focused: We understand the timelines, risks, and rewards of new builds.
- Flexible Terms: Choose between 12 or 24-month durations based on your project scope.
- Fast, Reliable Funding: Close in days, not weeks.
- Expert Support: Our team guides you through every phase of the loan process.
Let's Build Something Great
If you're ready to turn raw land into high-value property, we're ready to help you get there. Apply today and start building your next profitable project—brick by brick.
Qualifying for a New Construction Loan
We have streamlined the new construction loan process, providing substantial financing for investors and developers focused on building new residential or investment properties. Our qualification process is transparent and efficient, centered around four key areas—featuring seamless application, clear guidance, and state-compliant solutions.
Down Payment Requirements
For new construction financing, you can generally expect to put down 50%. In some cases, borrowers with excellent credit may qualify for a 40% down payment. If your credit score is below lender expectations, the required down payment could be as high as 75%. With our seamless application process and compliant financing structure, securing capital for new builds is more accessible than ever.
Document Preparation
Unlike traditional mortgages, new construction loans typically do not require full financial disclosures such as tax returns. Instead, you'll need to provide essentials like a government-issued ID for each guarantor, a voided check, builder contracts, construction timelines, project budgets, and a copy of building permits. If borrowing through a business, include your entity formation documents. You may also be asked for land purchase contracts and architectural plans, depending on the project's scope.
Meeting Eligibility Criteria
Construction financing often requires stricter eligibility standards. Properties must meet a minimum project value of $300,000, with loan amounts typically starting at $150,000. A credit score of at least 650 is recommended. Additionally, you should have no bankruptcies in the past four years and no foreclosures within the last three years. A solid financial plan and viable construction timeline will help strengthen your application.
Construction Readiness
To qualify for a new construction loan, your project must be shovel ready—with permits secured, plans finalized, and contractors identified. The loan is designed to fund ground-up builds or major property development, not minor renovations. Funds are typically disbursed in phases based on construction progress, and inspections may be required throughout. With our intuitive processes and expert support, you'll be fully equipped to fund and build your next real estate venture from the ground up.
