Construction Loans
Finance Your Ground-Up Real Estate Project
Build from the ground up with financing structured for construction — from land to completed property.
Get Pre-Qualified for a Construction Loan
If you’re planning to build, we’ll help structure your financing from start to finish.
What Is a Construction Loan?
A construction loan is a short-term loan used to finance the building of a property from the ground up.
Unlike traditional mortgages, funds are released in phases as construction progresses.
These loans are designed to cover: Land acquisition, materials and labor, permits, and construction costs.
Construction Loan Highlights
- Short-term financing (typically 12–18 months)
- Interest-only payments during construction
- Funds released in stages (draws)
- Higher flexibility based on project
- Converts into long-term financing
Construction Loan Requirements
Construction loans focus on both borrower and project viability.
Credit profile
Minimum credit score typically 680+
Down Payment
Usually around 20% of total project cost
Builder Approval
Licensed and experienced general contractor required
Construction Plan
Detailed plans, budget, and timeline required
Why Choose USA Loans For Construction Financing?
We help structure your project from planning to completion.
- Experience with ground-up construction
- Builder and project evaluation
- Flexible loan structuring
- Support through every stage
- Transition into long-term financing
Construction Loan FAQs
Common questions about Construction Loan
How does a construction loan work?
Funds are released in stages as construction progresses and convert into a mortgage after completion.
What are the requirements for a construction loan?
Credit score, down payment, builder approval, and construction plans.
What is a ground up construction loan?
A loan used to build a property from scratch, including land and construction.
Can I convert the loan after construction?
Yes, many construction loans convert into permanent financing.
