Spec Home Construction Loans

Hard Money Spec Home Construction Loans   Call 516-526-8445

Hard Money Spec Home Construction Loans

ExperienceCredit Score MinimumInterest RatePointsAdvance Rate On Lot PurchaseAdvance Rate On ConstructionCompleted


Property TypesPre-Pay PenaltyExtensionsClosingLoan SizeLoan Terms
Any600 Mid8.5%-12%2-3Up to 90%Up to 90%65%-70%Single Family, Multi Family (4 units max)NoAvailable7 days$45K – $5M13 Mo.


Spec Home Construction Loans in 39 states and Washington DC. Are you building a spec home? Looking for a construction loan but can’t get a bank loan for one?  Do you own a lot but don’t have the funds to go vertical? We are looking to work with builders that own their land/lots free and clear. If you have a lot or subdivision and need money to go vertical, we want to see your loan request.

Hard Money Spec Home Construction Loans

Spec Home funding – #1 Construction Loan Lender  

  • This program is now available in the following states:  AL, AR, CA, CO, CT, DC, DE, FL, GA, IL, IN, IA, KY, LA, MD, MA, MI, MN, MS, MO, NE, NH, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI
  • 7 day closings
  • Same day decisions
  • If you own the land that will be considered your skin in the deal
  • We lend up to 90% of lot purchase and 90% of the construction costs.
  • Rates from 9.99-12%
  • 1st time builders OK
  • Loan amounts from 45k – 3m (125k in NY State)
  • Larger loans considered case by case

With construction spending in the US rising to its highest level in nearly 5 years there is a higher demand for new homes, which in turn leads to builders looking for quicker, more reliable funding than traditional bank lending. Because of that, our aim is fill the gap left by banks in this area! Closings in as little as 7 days. Don’t trust your construction loans to your banker, let a lender that actually lends money fund your next construction project.


Get Approved in Minutes!