![Architects at a construction site pointing at a house](https://www.fctd.com/hs-fs/hubfs/Architects%20at%20a%20construction%20site%20pointing%20at%20a%20house.jpeg?width=1000&height=652&name=Architects%20at%20a%20construction%20site%20pointing%20at%20a%20house.jpeg)
Hard Money Construction Loans
Hard money construction loans allow you to start or finish building a spec home or commercial building faster than going through the lengthy bank financing process. With as little 20% down of total cost, you can start building within three weeks.
Ground-Up & Construction Completion
- New construction and construction completion- RESIDENTIAL
- Owner occupied, owner-user, and business purpose- COMMERCIAL
- Construction to bridge and permanent programs
- Up to 80% loan-to-cost (LTC), including lot, build & interest reserve
- Quick closing in as little as three weeks
- 12–18 month term
- No prepayment penalty
- Minimum 600 FICO
- Special approvals for loans greater than $4 million
Construction Loan Success Stories
Providing investors with the financing they need.
![40 LTV Mid-Construction Completion Loan](https://www.fctd.com/hs-fs/hubfs/40%20LTV%20Mid-Construction%20Completion%20Loan.jpg?width=1024&height=625&name=40%20LTV%20Mid-Construction%20Completion%20Loan.jpg)
Construction Completion – Southern California
- $1,800,000
- 12-Month Term
- 40% LTV
![New Construction Portland](https://www.fctd.com/hs-fs/hubfs/New%20Construction%20Portland.jpg?width=1128&height=688&name=New%20Construction%20Portland.jpg)
Townhouse Construction – Portland, OR
- $4,500,000
- 18-Month Term
- 80% Loan-To-Cost
![Construction Loan](https://www.fctd.com/hs-fs/hubfs/Construction%20Loan.jpg?width=1280&height=781&name=Construction%20Loan.jpg)
Commercial Construction Completion – East Bay, CA
- $1,200,000
- 9-Month Term
- Refinance into Bank Loan