Building Your Vision from the Ground Up

Ground Up Mortgage Loan Highlights

• Loan Amount: Up to $100 million or more, depending on the project.
• Loan Terms: Short terms from 12 to 36 months to complete construction.
• Draw Process: Funds are disbursed in stages as construction progresses and inspections are passed.
• High LTV: Can offer high Loan-To-Value (LTV) ratios.
• Exit Strategy: Requires a clear exit strategy, such as selling the completed property or refinancing into a permanent loan like a DSCR mortgage.

Financing for Every Stage of Your Project

Ground up construction loans are a specialized form of financing for investors and developers. We understand that construction projects happen in phases, and we have solutions for each step.

• Horizontal Development: Before you can build up, you have to prepare the ground. We offer financing for the initial horizontal phase, which includes purchasing raw land, grading, and installing essential infrastructure like roads, sewers, and utilities. This prepares your project to be "vertical ready."
• Vertical Construction: Once the land is prepared, our loans cover the "vertical" construction – the actual building of the structure. Whether it's a single spec home, a multi-family complex, or a commercial building, we provide the capital through a structured draw process to take you to completion.

You can use our financing for one stage or combine them. If you already own a vertical-ready lot, we can provide the construction loan. If you're starting with raw land, we have options to finance the entire project from start to finish.

Simple Steps to Get Funded

1. Identify Your Land (No Foundation)
2. Estimate Your Build Budget and After Repair Value (ARV)
3. Estimate Your Project Timeline
4. Fill Out the Form Below to Apply
5. Receive and Sign Your Term Sheet!