Ground-Up Construction Loans

Starting As Low As X.XX% / X.XX% APR*

When planning a new build from the ground up, traditional financing can be slow and restrictive, requiring separate loans for land and construction. Our ground-up construction loans deliver comprehensive financing for land, materials, and labor in a single loan designed for experienced builders, developers, and investors.

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Want to Fast-Track Your Next Build?

At Equinox Home Financing, we specialize in helping construction and investment professionals secure loans for property development that support real-world building timelines. We offer financing that moves as fast as your projects.

Program Features

End-to-end financing for land purchase and construction
Milestone-based draw funding tied to build progress
Interest-only payments during the construction phase
Flexible timelines aligned with real-world build schedules

Our team understands the realities of construction timelines—from regulations and permits to material delays and inspections. Whether you’re developing a single-family spec home, a multifamily project, or a rental portfolio, capital and timing matter.

As your construction funding partner, we help ensure your project stays on track and on budget.

If traditional financing has slowed or stalled your property development plans, we’re here to help. See if your construction project qualifies today.

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How It Works

Call or Apply Online

Connect with a construction loan specialist who understands ground-up building projects. We’ll discuss your project’s scope, budget, land status, and timeline—getting the essentials in one conversation.

Get Approved

We’ll review your construction plan, line-item budget, and project feasibility to establish a milestone-based draw schedule tailored to your build. No lengthy procedures—just a clear, efficient approval process focused on getting your project funded.

Fund and Build

Once approved, we close quickly and start releasing funds held in escrow according to your draw schedule. You pay interest only on the amount drawn as each phase is completed and inspected.

Equinox Makes Financing Easy for Ground-Up Construction

Partnering with builders, developers, and investors, we help turn plans into finished properties. You’ll work with advisors who understand permits, budgets, tight timelines, and the critical importance of reliable construction funding.

Why Choose a Ground Up Construction Loan:

Specialization in new construction financing
Flexible commercial construction loans and residential programs
Financing for land acquisition and vertical construction
Streamlined documentation requirements and rapid draw approvals
Dedicated support before, during, and after construction

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We are the Alternative Mortgage Financing Experts.

At Equinox Home Financing, we’ve helped thousands of borrowers purchase and refinance homes using some of the industry’s most innovative financing solutions. Put our knowledge and experience to work for you. Contact us today for a free quote and consultation.

Funded Home Loans

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Application to Closing Conversion

Answers to Your Questions

What Are Ground-Up Construction Loans?

Ground-up construction loans are short-term financing, typically 6 to 24 months, for new builds on vacant or raw land.

Covers land acquisition, hard costs (materials, labor), soft costs (permits, fees), and contingency reserves
Typically structured with interest-only staged draw funding
Acts as an entry point for permanent financing once the project is finished
Ideal for spec home financing, rental property builds, and multifamily developments

Who Are These Loans Designed For?

These specialized programs are best suited to experienced builders, developers, and investors.

Builders using construction loans for vertical development
Investors pursuing build-to-rent financing
Developers seeking commercial construction financing
Borrowers with prior building or renovation experience

How Are Construction Funds Disbursed?

Held in an escrow account, funds are released in stages through a milestone-based draw schedule.

Draws typically align with the foundation, framing, and finish stages
A third-party inspector verifies the completion of each phase for draw approval
Reduces risk by ensuring funds are only released as work progresses
Designed to support consistent cash flow throughout construction

Can Land Be Included in the Loan?

Yes. Land acquisition can often be financed with a construction loan.

Initial draws typically cover land purchase and permitting
Eliminates the need for separate land and construction loans
Owned or paid-off land may be used as equity to reduce the loan amount needed

What Happens After Construction Is Complete?

Once the project is finished, developers typically transition to their pre-planned exit strategy.

Sell the property and repay the loan
Refinancing into long-term permanent financing
Hold the asset as a rental investment

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What Are You Waiting For?

Call us today. A licensed representative is on standby to help you with your financing needs. There’s no need to wait any longer. Get financing now!

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*Disclaimer: Advertisement rate and APR Disclosure: Interest rate and APR displayed is from 1/16/26 and is based on a cashout, 50% LTV, 800 FICO, $500,000 loan amount, 1.5 DSCR ratio, and a 5 Year Prepayment Penalty. Example: $500,000 X 8.375% /8.509% APR= $3800.36 P&I monthly payment.