Most homeowners have the equity to build but not the cash on hand. Our lending partners specialize in construction financing — not generic home equity lines. They understand construction draws, permit timelines, and project phases. That means faster approvals, better terms, and a financing structure designed for how construction actually works.
Up to 100% project financing — cover your entire build cost without a large down payment
Construction-specific loan structures with draw schedules that match project milestones
Pre-qualification in 48 hours so you know your budget before design begins
Competitive rates from lending partners who specialize in Orange County construction
Purpose-built financing for accessory dwelling units. Cover design, permitting, and construction with a single loan — then refinance or pay from rental income.
Tap into your existing home equity for renovations, additions, or smaller projects. Draw funds as needed and only pay interest on what you use.
Single-close loan that covers both construction and permanent mortgage. Build your custom home or major addition with one application and one closing.
Finance your renovation based on the after-improvement value of your home. FHA 203(k) and conventional renovation loans available through our partners.
Quick credit review and equity assessment. Know your financing capacity within 48 hours — before you invest in design or engineering.
We provide your lender with project scope, estimated costs, and timeline. Construction-specific documentation that lenders need to approve draws.
Your lending partner finalizes terms, appraisal, and closing. We coordinate directly with the lender to answer construction-related questions.
Funds released at project milestones — foundation, framing, rough-in, finishes. We handle draw requests and lender inspections.
Final inspection, certificate of occupancy, and loan conversion to permanent financing. Your project is complete and your payments are set.
Most Orange County homeowners have $200K–$800K+ in property equity. An ADU that costs $250K to build can generate $2K–$4.5K/month in rental income — often exceeding the monthly payment from day one. That's not just financing — it's an investment that pays for itself.