Matrix: Construction Lenders
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Scotsman Guide makes every attempt to ensure the quality of matrix and directory information, which all listed lenders verify or update monthly. Because of the production cycle and dynamic nature of the industry, loan product
terms and availability may not reflect the latest changes. Please contact lenders directly for the most-recent program details. If you believe data is inaccurate or misrepresented, please e-mail: firstname.lastname@example.org.
5 Arch Funding Corp.
Bismark Mortgage Co.
none 15M none 100K 12 90 Y Y 5 Y Y Y Y U Y Y
AZ CA CT FL GA HI IL IN KS MD MS NC NJ NV NY OH OK OR PA SC TN TX UT VA WA Business purpose, NOO, fix-n-flip, by and hold,
rental (pools OK), ground-up construction, multifamily. 3-5 day funding, brokers protected. Inquiries welcome.
1M 65 1M 1M 50K 9 85 Y Y 5 Y Y Y U Y Y Y Y
AZ CA CO ID IL MI NC OH OR TX UT WA Short-term spec financing for experienced homebuilders, building to sell.
Bridge Loan Financial
10M 60 10M 10M 100K 600 24 70 Y Y Y 5 Y Y Y Y Y Y Y U Y Y Y Y Y Y Y
CA Non-owner-occupied investment properties. Contact us at email@example.com or call 714-264-4660 direct or 888-257-8051.
Builder Finance Inc.
350K 80 350K 0 75K 0 12 Y Y 5 Y Y Y Y Y U Y Y
NATIONWIDE except: AK CA HI MS ND NV OK RI VT WV WY Financing builders, developers and investors for ground-up/vertical residential construction,
fix-n-flip and spec construction loans. Competitive rates and deferred interest.
Crawford Real Estate Services Inc.
2M 70 1M 2M 50K 552490YYYY5YYYYYY Y U YYYY
CA We are a direct, hard money construction lender. No minimum FICO score.
6M 75 6M 6M 1K 600 18 75 Y Y 5 Y Y Y Y U Y Y Y Y
CA Crosswind Financial is a relationship-based, direct, private lender based in Los Angeles. We finance California's top residential developers.
Equity Cap Fund Advisors
1M 150 1M 1M 25K 400 100 12 90 Y Y Y 5 Y Y Y Y Y Y U Y Y Y Y Y Y
NATIONWIDE except: AK AL IA ID IL LA MD ME MI MN MT ND NE RI SC SD VT WY Equity participationbridge loans for ground-up construction, add
value & developments on NOO residential real estate only. Up to 90%+ LTC/70% ARV/unlimited LTV.
636K 90 none none 50K 680 45 12 1 Y Y U Y Y Y Y
NATIONWIDE except: AK HI One Close Construction requiring DU approve/eligible.
Florida Capital Bank
453K 95 none none 150K 680 45 12 1 Y Y U Y Y Y
CO FL GA LA MD MN NC PA SC TN TX UT Single close construction loan with 12-month terms. Flexible draw schedule. LTV up to 95%.
3M 90 3M 3M 45K 600 13 70 Y 5 Y Y U Y Y
NATIONWIDE except: AK HI ID ME MT ND NH SD WY Direct hard money lender for fix-n-flips and spec home funding. 7-day closings, no junk fees, brokers
10M 70 4M none 100K Y Y 5 Y Y Y
DC DE FL GA MD NC NJ PA SC VA We fund up to 50% of land value or purchase price and 100% of construction!
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34
The Construction Lenders matrix includes
wholesale lenders and their 1-4 unit
residential, ground-up construction,
rehabilitation and renovation mortgage
loan programs for builders and owners.
1 Builder/custom. Borrower-owned lot:
maximum loan amount.
2 Builder/custom. Borrower-owned lot:
3 Renovation/rehab: maximum
4 Stated-income: maximum loan amount
5 Minimum loan amount
6 Minimum FICO
7 Maximum DTI%
8 Construction term, in months
9 Loan to cost (borrower equity)
24 of draws; U=Unlimited
25 Draw fees
27 Blanket loans
28 Gifted lot
29 Payment reserve
30 Interest-only payment loans
31 On-time completion bonus
32 Principal reductions with
33 No-payment option
34 Non-weather holdbacks
20 Construction completion
21 Prepayment penalty
22 Voucher disbursement
23 Draw disbursement
17 Mixed-use properties
18 NOO, 1-4 units, zoned
other than residential
19 Rural property
10 Legal entities
11 Foreign nationals
12 Foreign legal entities
13 Property in probate, heirs
14 SFR=1; Duplex=2; Triplex= 3;
Quadruplex= 4; All= 5
15 Few comps: dome, berm, log,
historical, ultra-modern, etc.
16 Manufactured housing (assembly
of mobile and modular homes)
LOAN LIMI TS BORROWERS
PROPERT Y TYPES
LENDERNAME 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34