New Build Financing
Ground-Up Construction Loans in Sacramento
Whether you're building a custom home, a small development, or a commercial structure, we connect Sacramento builders and developers with ground-up construction financing tailored to their project.
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Loan Details
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
Why Work With Us
Full-Scope Financing
Land acquisition, horizontal development, vertical construction — we can structure a loan for the full project lifecycle.
Sacramento Market Expertise
We understand local entitlement timelines, subcontractor markets, and construction costs specific to the Sacramento region.
Competitive Lender Access
Our relationships with construction-focused lenders mean better terms and faster approvals for qualified borrowers.
Streamlined Draw Process
We work with lenders who offer efficient draw schedules so your project stays on timeline and budget.
Frequently Asked Questions
What qualifies as a ground-up construction loan?+
Ground-up construction financing covers new builds where construction starts from raw land or a cleared lot. This includes custom homes, spec builds, small subdivisions, and commercial structures.
What LTV and LTC can I expect?+
Ground-up construction loans typically offer up to 75% LTV based on completed value and up to 85-90% of total construction costs, depending on the borrower and project.
Do I need to own the land already?+
Not necessarily. Many lenders will include land acquisition as part of the construction loan, or you can use equity in land you already own as part of your down payment.
How are funds disbursed during construction?+
Construction loans use a draw schedule. Funds are released in stages as construction milestones are completed and verified by an inspector.
Explore Other Loan Programs
Related Financing Options
After Construction: Long-Term Rental Financing
Investors who plan to retain the finished property as a rental should line up their permanent takeout in parallel with the construction loan.
Investors holding completed properties as rentals commonly refinance the construction loan into a DSCR loan once the property is leased and producing income. DSCR financing qualifies on the property's rental cash flow rather than personal income, which is why it's a common takeout for stabilized rentals.
For long-term rental property financing, investor cash flow loans, and DSCR refinancing options, visit DSCRLoansOnline.com.
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