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Loan Program · For Developers
Construction Loans
Ground-up and rehab financing for builders and developers — land acquisition, horizontal development, and vertical construction, with draw schedules built around your build timeline.
⏱ Takes 2 minutes Free, no obligation We respond within 1 business day
Construction loans fund land acquisition, horizontal development, and vertical builds in draws tied to your build timeline, rather than disbursing the full loan at closing — many convert automatically into a permanent mortgage once the build is finished.
Program Highlights
Funded as the build progresses.
Scope
Land to Finished Lots or Homes
Land acquisition, horizontal development, and vertical ground-up construction are all fundable, not just the final build phase.
Funding
Draw Schedule Tied to Milestones
Funds release as foundation, framing, rough-in, and finishes are completed and verified.
Builder
Licensed GC or Owner-Builder
Most programs require a licensed general contractor; some allow experienced owner-builders.
Who This Program Fits
Builders and developers taking a project from raw land to finished lots or homes, investors building spec homes or ground-up rentals, and anyone tackling a major rehab beyond what a standard renovation loan covers.
FAQ
Construction loan questions.
How do draws work during construction?
Funds release in stages tied to completed milestones (foundation, framing, rough-in, finishes), each verified before the next draw is released.
Can this loan convert to a permanent mortgage?
Some of our programs offer construction-to-permanent structures; others are stand-alone and refinanced separately once the build is complete — we'll match the right structure to your plan.
Do you fund land acquisition and horizontal development, or just the vertical build?
Both — beyond vertical construction, we also fund land acquisition and horizontal development (grading, utilities, roads) for builders taking a project from raw land to finished lots or homes.
Do I need my own builder already lined up?
Most programs require a licensed general contractor, though some allow experienced owner-builders — tell us your situation and we'll find the right fit.
Program details last reviewed October 21, 2026.
Contact
Tell us about the deal.
Send the basics and we'll come back with what it'll take to fund it — usually within one business day.
- Phone
- 919‑395‑2411
- Office
- Raleigh, NC · Lending Nationwide
- Hours
- Mon–Fri, 8:00 AM–6:00 PM ET
Application
Ready when you are.
A few quick questions about the deal — no SSN, no documents, no commitment yet. Just enough for us to tell you what it'll take to fund it.
- ⏱ Takes 2 minutes
- 🔒 Free, no obligation
- 📞 We respond within 1 business day