New Build Construction Loans

Ground-up construction financing solutions designed specifically for real estate developers and builders to support projects from planning through completion.

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Flexible Non-Bank Construction Financing for Residential Real Estate Developers

Our all-inclusive loan program is designed to fund both horizontal development and vertical construction expenses on shovel-ready properties.

Flexible non-bank construction financing solutions designed for residential real estate developers
Our all-inclusive loan program finances both horizontal site development and vertical construction on shovel-ready lots.
Flexible options for both single properties and multi-property portfolios

Why Chose Mortgage Group For Your Construction Hard Money Loan

Over 200

Funded Deals

$80M+

Loan Volume

70+

5 Star Reviews

10-14 Days

Avg. Closing Time

In 35 States

Including 35 USA state

Frequently Asked Questions

What properties are eligible for ground-up construction financing?

We offer ground-up construction financing exclusively for investment properties. Eligible property types include single-family residences, 2–10 unit residential buildings, and mixed-use properties where the majority of the space is designated for residential use.

What properties are eligible for a ground-up construction loan?

We offer ground-up construction loans exclusively for investment properties. Eligible projects include single-family homes, 2–10 unit residential buildings, and mixed-use properties where the majority of the space is residential.

Do I need construction experience to qualify for a loan?

Construction experience is considered during the approval process, but there is no strict minimum requirement. We review your overall track record, the qualifications of your construction team, the quality of your project plans, and your financial ability to complete the project.

Is there a prepayment penalty if I finish and sell early?

No, owning land is not required prior to applying. Investors Mortgage Group can provide financing for both land acquisition and construction, allowing you to secure funding before closing on a lot.

Do Hard Money Loans Require a Strong Credit Score?

Credit score is a factor, but Investors Mortgage Group focuses primarily on the property’s value and your exit plan. Borrowers with scores starting at 660 can qualify, with more favorable terms available for scores above 740.

Do you finance spec builds or only pre-sold projects?

Yes,Investors Mortgage Group finances spec builds as well—you do not need a pre-sale contract to qualify. Many borrowers complete projects without a buyer in place, using market-based appraisals to support their loan.