Advanced Lending Solutions
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888-668-3559
CONTRUCTION FINANCING
Construction Loans for Primary & Investment Properties
Build the home you want or the investment property you need. VA and Conventional construction options available — first-time builders welcome.
VA Construction
Conventional
First-TIme Builders OK
1-4 Units
See Your Options
1-4
UNITS ELIGIBLE
40-yr
LOAN TERMS
No SSN
REQUIRED
508+
CREDIT SCORE (VA)
Build It Your Way — We Handle the Financing
Buying an existing home isn’t always the right answer. Sometimes you need a home built exactly the way you want it — the right layout, the right location, the right finishes. Or maybe you’re an investor looking to build a rental property from the ground up.
Our construction loan programs cover both. Whether you’re a veteran using your VA benefit to build your primary residence or an investor constructing a 1–4 unit rental property, we have flexible financing options designed to get your project started.
First-time builders are welcome. We work with you through every phase — from pre-approval to construction draws to the final permanent loan conversion.
VA Construction Loan
Use your VA benefit to build a primary residence with credit scores starting at 580. No down payment required for eligible veterans.
Conventional Construction Loan
Build a primary home or investment property with conventional financing. Flexible terms and competitive rates for qualified borrowers.
Investor Construction (1–4 Units)
Build single-family to fourplex rental properties with financing designed for real estate investors looking to grow their portfolio.
First-Time Builders Welcome
No prior construction experience required. Our team guides you through every phase from pre-approval to final walkthrough.
Construction Loan Programs
Choose the program that fits your build — whether it’s the home you’ll live in or the investment property you’ll profit from.
VETERANS
VA LOAN
VA Construction Loan
Build your primary residence using your hard-earned VA benefit. The VA construction loan combines construction financing and the permanent mortgage into a single loan — one closing, one set of fees, and no down payment required for eligible veterans.
$0 down payment for eligible veterans
Credit scores starting at 580
Up to 96.5% financing
One-time close — construction and permanent loan combined
Primary residence only
First-time builders welcome
Send Us Your Inquiry
CONVENTIONAL
Conventional Construction Loan
Build a primary residence or investment property using conventional financing. Our conventional construction programs offer competitive rates and flexible qualification options for borrowers who want to build rather than buy an existing property.
Primary residence and investment properties eligible
Flexible credit qualification options
Construction-to-permanent loan conversion
Competitive fixed and adjustable rate options
First-time and experienced builders welcome
Send Us Your Inquiry
INVESTORS
Investor Construction — 1–4 Units
Build your rental portfolio from the ground up. Our investor construction program covers single-family homes, duplexes, triplexes, and fourplexes — giving real estate investors the ability to create exactly the income-generating properties they need in the markets they choose.
Single-family to fourplex construction
Rental income projections considered for qualification
Primary and non-owner-occupied properties
Flexible documentation options
Build to hold or build to sell
Send Us Your Inquiry
How a Construction Loan Works
Construction financing works differently than a standard purchase mortgage. Here’s what to expect from start to finish.
Pre-Approval & Loan Structuring
We review your credit, income, and project plans to determine the right loan program and amount. You’ll know exactly what you’re approved for before breaking ground — giving you confidence when working with builders and contractors.
Builder & Project Approval
Your builder and construction plans are reviewed as part of the loan process. We work with licensed general contractors and can help guide you if you’re still in the process of selecting a builder.
Closing & Construction Begins
Once approved, you close on the construction loan and your builder begins work. Funds are distributed in draws as construction milestones are completed — ensuring your builder is paid as progress is made.
Construction-to-Permanent Conversion
When construction is complete, your loan converts to a permanent mortgage — often with a single closing, saving you time and closing costs. You move in (or lease out) and begin your regular mortgage payments.
Who Should Consider a Construction Loan?
Building may be the right move if any of these apply to you.
Veterans & Active Military
Use your VA benefit to build your primary home with no down payment and credit scores from 580
Custom Home Buyers
Can’t find the right existing home? Build exactly what you want in the location you want.
First-Time Builders
No construction experience needed. We guide you through every phase of the process from pre-approval to move-in.
Land Owners Ready to Build
Already own land? We can structure financing that uses your lot as equity toward the construction loan.
Real Estate Investors
Build 1–4 unit rental properties from scratch and design them for maximum cash flow from day one.
Flexible Credit Borrowers
VA construction loans accept credit scores from 580. We review your full picture, not just your score.
Frequently Asked Questions
Can a first-time builder get a construction loan?
Yes. We welcome first-time builders for both VA and Conventional construction loans. You do not need prior construction experience to qualify. Our team will walk you through every step — from selecting a builder to managing draws to converting to your permanent mortgage.
What credit score do I need for a construction loan?
VA construction loans accept credit scores starting at 580. Conventional construction loan requirements may vary depending on the loan structure and down payment. Contact our team and we’ll give you an honest assessment of your options based on your specific credit profile.
What is a one-time close construction loan?
A one-time close (also called construction-to-permanent) loan combines your construction financing and your permanent mortgage into a single loan with one closing. This saves you from paying two sets of closing costs and the hassle of qualifying twice. Our VA construction program uses a one-time close structure.
Can I use a construction loan for an investment property?
Yes. Our Conventional and investor construction programs cover both primary residences and investment properties, including 1 to 4 unit builds. Whether you are building a single-family rental or a fourplex, we have financing options available.
How are construction loan funds distributed?
Construction loan funds are released in stages called “draws” as specific construction milestones are completed and verified. This protects both the borrower and the lender by ensuring funds are only released for work that has actually been done. Your builder will typically submit draw requests which are reviewed before funds are released.
Do I need to own land before applying for a construction loan?
Not necessarily, but having land — or purchasing it simultaneously — is typically part of the process. If you already own land, it can often be used as equity toward your construction loan, potentially reducing your down payment requirement. We’ll review your full situation and map out the best path forward.
Ready to Start Your Construction Project?
Fill out our inquiry form and we’ll walk you through your construction loan options and next steps. Every build is different — and that’s exactly where we shine.
Get Started Today
Call 888-668-3359