Construction Loan Programs
Hard money construction loans allow you to start or finish building a custom home or commercial building faster than going through a lengthy bank financing process. With as little 20% down of total cost, you can begin building within three weeks.
Ground-Up & Construction Completion
- Ground-up and construction completion
- Owner occupied, owner-user, and business purpose
- Construction to bridge and permanent programs
- Up to 80% loan-to-cost (LTC), including lot and build
- 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
Term Sheet: New Construction & Ground Up Construction
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.