Ground-Up Construction Loans from a 600 Credit Score
You do not need a 700+ score to finance a build. Our program starts at 600, with up to 100% of land and construction costs.
A lower credit bar, without giving up leverage
Many construction lenders pair a high credit score requirement with lower leverage. We start at a 600 credit score and still finance up to 100% of the land and construction budget, up to 75% ARV, for qualifying borrowers with one completed project.
How qualifying works
| Borrower | Credit score | Leverage |
|---|---|---|
| 1+ completed project | 600+ | 100% of land and construction budget, up to 75% ARV |
| First-time investor | 600+ | Up to 90% LTC, subject to approval |
Credit is only part of the picture. We also review your budget, the project’s after-repair value, the location and your liquidity.
How it works
1. Price it
Enter the lot price, construction budget and after-repair value in our calculator to see leverage, cash to close and monthly interest.
2. Apply
Create your portal account, complete the application, authorizations and experience worksheet, and upload your documents.
3. Build
Once approved and closed, construction funds are released through scheduled draws as work is completed.
Check your numbers
Run your numbers in about a minute, then start your application. No obligation.
Illustrative only; not a commitment to lend. All loans are business-purpose only, subject to lender underwriting and approval, property and borrower eligibility, and verified liquidity (10% of the construction budget plus 6 months of payments, third-party fees and closing costs). Financing is not available in HI, AK, OR, CA, AZ or NV, or in Baltimore, Philadelphia, New York City or Washington DC. Reduced leverage may apply in some markets. Rates, points and terms may change.