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Construction Loans

Financing for Ground-Up &
Partially Completed Projects

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Architects at a construction site pointing at a house

Hard Money Construction Loans

Hard money construction loans allow you to start or finish building a spec home or commercial building faster than going through the lengthy bank financing process. With as little 20% down of total cost, you can start building within three weeks.

Term Sheet:

Ground-Up Construction Completion

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Ground-Up & Construction Completion

  • New construction and construction completion- RESIDENTIAL
  • Owner occupied, owner-user, and business purpose- COMMERCIAL
  • Construction to bridge and permanent programs
  • Up to 80% loan-to-cost (LTC), including lot, build & interest reserve
  • Quick closing in as little as three weeks
  • 12–18 month term
  • No prepayment penalty
  • Minimum 600 FICO
  • Special approvals for loans greater than $4 million

Construction Loan Success Stories

Providing investors with the financing they need.

40 LTV Mid-Construction Completion Loan

Construction Completion – Southern California

  • $1,800,000
  • 12-Month Term
  • 40% LTV
New Construction Portland

Townhouse Construction – Portland, OR

  • $4,500,000
  • 18-Month Term
  • 80% Loan-To-Cost
Construction Loan

Commercial Construction Completion – East Bay, CA

  • $1,200,000
  • 9-Month Term
  • Refinance into Bank Loan

Disclaimer: Information, rates, and pricing are subject to change without prior notice. All loans subject to borrowers and underlying collateral meeting First Capital Trust Deeds’ and/or assigns then-current underwriting criteria. Other restrictions apply. 

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