Build From
The Ground Up.

Secure the short-term capital required to fund your custom home, major renovation, or spec property. Our standalone construction loans provide the flexibility to build now and structure your permanent financing later.

12 to 18 Month Terms

Specifically designed as a short-term bridge to get your project from the drafting table to the final certificate of occupancy.

Interest-Only Draws

Protect your cash flow. You are only charged interest on the capital that has been actively paid out to your builder.

Maximum Flexibility

Perfect for borrowers who want to shop the open market for the best 30-year rate once the house is finished, or plan to sell immediately.

Fund Your Project

Get a fast, confidential estimate on construction capital.

Secure Commercial-Grade Portal

Deployment Strategies

Why Choose a Stand-Alone Construction Loan?

Unlike a single-close loan, a dedicated construction loan gives you absolute control over the exit strategy of your project.

The "Spec" Build & Sell

If you are building a custom home with the explicit intention of selling it for a profit the moment it is completed, you do not need a permanent 30-year mortgage. A stand-alone loan funds the build, and the principal is paid off entirely by the proceeds of the sale.

Two-Close Rate Shopping

Locking in a permanent rate 12 months before a house is finished can be risky if market rates are actively dropping. A stand-alone loan lets you build now, and then aggressively shop dozens of lenders for the absolute lowest 30-year fixed rate just weeks before you move in.

Major Renovations

Construction loans aren't just for empty dirt. If you are tearing a house down to the studs, adding a second story, or executing a massive $200k+ addition, a construction loan provides the structured draws required to manage large-scale renovations securely.

Financial Analysis

Construction Carrying Cost Estimator

Because you don't receive all the loan funds on day one, you don't pay interest on the full balance immediately. This tool estimates your total out-of-pocket interest paid over the entire build timeline, assuming a standard linear draw schedule.

Project Parameters

Total Build Amount Financed $500,000

Build Timeline (Months) 12 Months

Short-Term Interest Rate 8.50%

Est. Total Interest Paid During Build

$21,250

This is the estimated total carrying cost you will pay out-of-pocket over the selected months before the loan is paid off or refinanced.

Est. Month 1 Payment

$354

Based on initial foundation draw.

Est. Final Month Payment

$3,541

Based on 100% of funds fully drawn.

Construction Loan FAQs

The bank does not hand you or the builder a check for the full loan amount on day one. Instead, the funds are held in escrow. As the builder completes specific milestones (e.g., pouring the foundation, framing, roofing), the bank sends an inspector to verify the work. Once verified, the bank releases a "draw" (a portion of the funds) directly to the builder to cover that phase.

No. A stand-alone construction loan can be used to finance both the acquisition of the land and the cost of building the home simultaneously. However, if you already own the land, the equity you have in the lot can often be used to satisfy the bank's down payment requirement.

A stand-alone construction loan is a "balloon" note, meaning the entire principal balance is due at the end of the term. You satisfy this requirement in one of two ways: either by selling the newly built property and paying off the loan with the proceeds, or by taking out a traditional "End Loan" (a standard 30-year mortgage) to pay off the construction lender.

Build From The Ground Up.