Regional Coverage
Northern California Construction Loans
We place ground-up, spec, multifamily, and mixed-use construction financing for builders, developers, and investors across Sacramento, the Bay Area, the Central Valley, and the surrounding Northern California markets.
Northern California is a diverse construction market. Build costs, completion values, entitlement timelines, and lender appetite vary meaningfully between Sacramento infill, Bay Area redevelopment, foothill custom homes, and Central Valley spec builds. We focus exclusively on this region, which is why we can match projects to the right construction lender quickly.
Our placements span loans from $500K to $5MM+ with typical projects in the $750K–$4MM range. We work with experienced builders, repeat developers, and qualified first-time developers with the liquidity and team to execute.
Markets We Cover
Greater Sacramento
Sacramento, Roseville, Elk Grove, Folsom, Rocklin, Citrus Heights, Rancho Cordova, West Sacramento, Davis
Bay Area
Oakland, San Jose, Fremont, Hayward, Walnut Creek, Concord, San Francisco, Berkeley, Richmond, San Mateo
North Bay & Wine Country
Santa Rosa, Napa, Petaluma, Vallejo, Fairfield, Vacaville
Central Valley (North)
Stockton, Modesto, Tracy, Manteca, Lodi, Galt
Sierra Foothills
Auburn, Grass Valley, Placerville, El Dorado Hills, Cameron Park
Outlying Counties
Placer, El Dorado, Yolo, San Joaquin, Solano, Contra Costa, Alameda, Santa Clara, Sonoma, Napa
Frequently Asked Questions
What counts as Northern California for construction financing?+
For our purposes, Northern California includes the Sacramento metro area, the greater Bay Area, the Central Valley north of Fresno, the Sierra foothills, and surrounding counties. We regularly place construction loans across Sacramento, Placer, El Dorado, Yolo, San Joaquin, Solano, Contra Costa, Alameda, and Santa Clara counties.
Do construction loan terms differ by city?+
Programs are mostly statewide, but pricing and feasibility are sensitive to local market values, permitting timelines, and lender appetite. A spec home in Roseville prices differently than the same project in Oakland because completion value, build cost per square foot, and absorption speed are different.
Can out-of-state investors build in Northern California?+
Yes. Out-of-state and out-of-country borrowers regularly build in Sacramento and the Bay Area. Lenders will want to see a local, licensed general contractor, a well-defined budget, and additional liquidity in most cases.
Which markets are easiest to finance right now?+
Sacramento, Roseville, Elk Grove, Folsom, and Rocklin tend to be the most straightforward because lenders are comfortable with the comps, absorption, and builder community. Coastal and high-cost Bay Area submarkets are financeable but typically require stronger borrowers and more equity.
Building in Northern California?
Tell us about your project and we'll review financing options across our lender network.
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