Construction, Fix & Flip
Building from the ground up or transforming a fixer into a profit? Construction and renovation financing works differently from a standard mortgage — funds are released in draws as work is completed, and the loan is structured around the project. I work with lenders who understand construction timelines and investor math.
Who It’s For
- Builders and developers doing ground-up construction
- Investors buying, renovating, and reselling (fix & flip)
- Homeowners building on their own lot
- Veterans, USDA-eligible buyers, and FHA buyers who want to build with low down payments
Financing Options I Offer
- Ground-Up Construction (GUC) — financing for building a new home or project from vacant land to completion
- VA / USDA / FHA One-Time Close — buy the land, fund the build, and roll into a permanent mortgage with a single closing — including zero-down VA and USDA options
- Conventional GUC — ground-up construction with conventional terms for qualified borrowers
- Fix & Flip loans — short-term financing for investors acquiring and renovating properties for resale, based on the deal — not just your tax returns
Key Features
- Draw schedules aligned to construction milestones
- Interest-only payments during the build phase on many programs
- One-time-close options that save you a second set of closing costs
- Investor-friendly qualification based on project strength
Construction lending is all about the details — budgets, timelines, and draw administration. I’ll help you structure the loan around your project so funding keeps pace with your build.