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Key Highlights
The Benefits
Build New
Finance construction from the ground up.
Flexible Financing
Solutions for a variety of construction projects.
One-Time or Two-Step Options
Choose the financing structure that fits your project.
What's Required
Construction Plans
Approved plans and specifications are typically required.
Licensed Builder
An approved builder is generally required.
Project Qualification
Budget, timeline, and borrower qualifications are reviewed.
The Ins & Outs
How it Works
Ground-Up Construction loans provide financing for the construction of a new home or investment property from the ground up. Whether you're building your dream home, developing a rental property, or expanding your real estate portfolio, these loans help finance the construction process from foundation to completion.
Construction financing is available through a variety of loan programs, with options designed for homeowners, builders, and real estate investors. Loan structures and qualification requirements vary depending on the project and lender.
Example Scenario
An investor purchases a vacant lot and plans to build a single-family rental property. A Ground-Up Construction loan provides financing to complete the project before transitioning to long-term financing or selling the finished home.
What is a Ground-Up Construction loan?
A Ground-Up Construction loan provides financing to build a new home or investment property from the ground up.
Who can qualify for a Ground-Up Construction loan?
Eligibility varies by lender and may include homeowners, builders, and real estate investors who meet program requirements.
Can I build an investment property?
Yes. Many Ground-Up Construction programs are available for eligible investment properties, subject to lender guidelines.
Do I need a licensed builder?
In most cases, yes. Construction is typically completed by a licensed builder who meets the lender's approval requirements.
What happens when construction is complete?
Depending on the loan program, the financing may convert into a permanent mortgage or require separate long-term financing after construction is finished.
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