Home Construction Loans

We’re here to guide you through the process of getting a loan to construct or renovate the property of your dreams.


Funding Capacity

Up to 24 months



Payment Schedule

7-10 days

Approval Speed


Time to Closed

Home Construction Loans

A construction loan is a short-term residential loan that provides borrowers with the funds needed for the construction or renovation of their homes. Funds are typically drawn in stages as the project progresses. The loan usually lasts for a year, during which you are expected to complete the project and receive the certificate of occupancy.

This type of loan carries more risk than other residential mortgages because the real estate being financed is not yet existed in the first place. To make up for this risk, construction mortgages can come with a higher interest rate. As such, borrowers typically refinance their initial loans with a long-term permanent residential mortgage once the property is built.

Key Points to Remember


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Last updated: [August 7, 2023]

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Pre-Qualification will provide you with an initial quote with the following information:

  • Loan amount
  • Type of loan program
  • Loan to value (LTV)
  • Interest rate
  • Processing times.


Note: Pre-Qualification will NOT require credit to be obtained.

Loan Application

Please click on the Apply Now bottom below to complete the Loan Application and create your account to monitor the loan process application.

Note: This process REQUIRES credit to be obtained.

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