Construction Financing for Sacramento Builders, Developers, and Real Estate Investors
Ground-up, multifamily, and spec home construction loans from an experienced Northern California construction financing specialist.
Construction Loan Programs
We place a wide range of construction financing across Sacramento, the Bay Area, and Northern California.
Ground-Up Construction
New builds from the ground up — single family, custom homes, and small developments.
Spec Home Financing
SFR 1-4 unit spec builds for investors and builders looking to build and sell.
Multifamily Construction
Apartment buildings, townhome projects, and mixed-use construction financing.
First-Time Developers
Dedicated programs for first-time developers with liquidity and a viable project.
Typical Projects We See
Most projects we fund fall into one of these categories. If your project looks like one of these, it's worth a conversation.
Spec SFR Builds
Single-family spec homes on infill lots or small subdivisions — built to sell into the Sacramento resale market.
Ground-Up Residential
Custom and production single-family construction, from a single lot to a small multi-lot build.
Small & Mid Multifamily
Apartment, townhome, and small multifamily ground-up construction across Northern California.
Mixed-Use Construction
Residential-over-retail and other mixed-use builds with combined residential and commercial components.
Infill Development
Urban infill projects in Sacramento, Roseville, Elk Grove, Folsom, and surrounding submarkets.
Builder & Investor Projects
Repeat builder pipelines and investor-led developments with clear budgets and exit strategies.
Construction financing is highly project-specific, and not every project will qualify. Projects are evaluated based on borrower experience, liquidity, permit status, construction budget, and overall project viability.
Why Sacramento Builders Trust Us
14+ Years of Experience
Over a decade placing construction financing for projects across Northern California.
Strong Lender Relationships
Direct relationships with construction lenders who understand Sacramento's market.
Project Viability Review
We review your project before submission to increase approval odds.
First-Time Developer Friendly
We work with newer developers who have liquidity and a strong project.
Fast Closings
Typical closings in approximately 30 days with experienced lender partners.
Local Market Knowledge
Deep understanding of Sacramento, Roseville, Elk Grove, Folsom, and surrounding markets.
Construction Loan Details at a Glance
Loan Amounts
$500K – $5MM+
LTV
Up to 75%
LTC
Up to 85–90%
Rates
Starting in the 9% range
Terms
Up to 24 months
Closing
~30 days typical
How the Construction Loan Process Works
Submit Your Info
Fill out our prequalification form with your project details and financial info.
Project Review
We review your project for viability, budget, and timeline feasibility.
Lender Matching
We match your deal to the right lender from our network of construction lenders.
Close & Build
Once approved, close your loan and begin construction with funded draws.
Basic Construction Loan Requirements
Every project is different, but here are the common items lenders look for. See full requirements →
- ✓Minimum 680+ credit score (varies)
- ✓Detailed construction budget
- ✓Plans and permits (or timeline)
- ✓Builder or GC information
- ✓Property ownership or purchase contract
- ✓Liquidity / cash reserves
- ✓Experience resume (or first-time program)
- ✓Estimated completion value (ARV)
Frequently Asked Questions
What is a construction loan?+
A construction loan is short-term financing used to fund the building of a new structure. Funds are disbursed in draws as construction milestones are completed, and the loan is typically repaid through sale or refinance upon completion.
How much can I borrow for a construction project in Sacramento?+
Loan amounts typically range from $500K to $5MM+ depending on the project scope, borrower experience, and property value. LTV up to 75% and LTC up to 85-90% are available through our lender network.
Can first-time developers get construction financing?+
Yes. We work with lenders who offer first-time developer programs for borrowers with sufficient liquidity, a viable project, and a qualified general contractor.
How long does it take to close a construction loan?+
Most construction loans close within approximately 30 days, depending on the complexity of the project and completeness of documentation.
What types of construction projects do you finance?+
We place financing for ground-up construction, spec homes (SFR 1-4 units), multifamily projects, and mixed-use developments across Sacramento and Northern California.
Do I need permits before applying?+
Having permits in hand strengthens your application, but many lenders will consider projects with permits in process. We can discuss your timeline during the prequalification review.
Service Areas
We arrange construction financing for projects throughout Sacramento and Northern California, including:
Construction Financing Resources
Educational guides for Sacramento builders, developers, and investors evaluating construction financing.
What Is a Construction Loan?
How construction loans work, who uses them, and how they differ from a traditional mortgage.
LTC vs LTV Explained
The two ratios that determine how much a construction lender will fund — with worked examples.
How Draw Schedules Work
Phases, inspections, retainage, and timing of construction loan disbursements.
How Long Construction Loans Take
Realistic 30-day closing timeline and what speeds things up or slows them down.
Credit Score Requirements
Minimum FICO tiers, compensating factors, and how credit affects pricing.
Down Payment Requirements
Borrower equity, land contribution, and liquidity reserves explained.
Sacramento FAQ
Common questions from Sacramento, Roseville, Folsom, and Northern California builders.
Full Requirements Checklist
Everything lenders look for — credit, liquidity, plans, permits, GC, and entity docs.
First-Time Developer Programs
Construction loan options for first-time developers with liquidity and a viable project.
Northern California Coverage
Regional overview of the markets we serve — Sacramento, Bay Area, Central Valley, foothills.
Areas Served
Full list of cities and counties where we place construction financing.
Related Resource
DSCR Loans for Stabilized Rentals
Long-term rental property financing and DSCR refinancing options for investors holding completed projects as rentals — at DSCRLoansOnline.com.
Ready to Finance Your Construction Project?
Get prequalified in minutes. Our team will review your project and connect you with the right lender.
Start Your Prequalification