Ground-Up Construction Loans

A Strong Foundation for Your Investment

Flexible Ground-Up Construction Loans

At King James Lending, we help investors transform empty lots into income-producing properties. Our ground-up construction loans are designed to make building new properties straightforward, flexible, and profitable.

Apply Now

Loans Tailored for New Builds

Whether you're developing single-family homes or multi-unit rentals, our construction loans support each stage of your project — from land purchase to final draw.

Finance Land & Build

Get funding to acquire land and build new residential or investment properties. Ideal for investors looking to create value from the ground up and meet market demand.

Flexible Draw Schedules

Access funds in stages that match your construction milestones, ensuring smooth progress and optimal cash flow throughout your project.

Fast Approvals & Funding

Move quickly on new opportunities with fast approvals and funding designed for time-sensitive land and development deals.

Asset-Based Lending

Loans are based on the future value of the completed project, not just your personal credit, allowing you to focus on building instead of paperwork.

Get Pre-Approved

Where Royalty Meets Reliability

Flexible, Investor-Friendly Terms

Enjoy simple and transparent terms designed to support your build from start to finish. Our ground-up construction loans offer a 12-month term, 3 points, and a 13% interest rate — and you only pay interest on the money you draw, helping you maximize cash flow and control costs throughout the project.

Frequently Asked Questions

What is a ground up construction loan?

A loan to buy land and build a new property from the ground up, covering everything from dirt to finished structure.

Who is it for?

Investors and developers building rentals, custom homes, or resale properties.

Can I finance land and construction?

Yes — both are included in one package.

How are funds disbursed?

In stages (draws) based on construction milestones.

What documents do I need?

Land purchase contract, scope of work, architectural plans, permits, insurance, proof of funds, and basic borrower info.

Required credit score?

Typically 660 or higher.

Do I make monthly payments during construction?

Yes — usually interest-only on drawn funds.

Typical term length?

About 12 months, with possible extensions.

What happens after completion?

Refinance to a rental loan, sell, or hold as a finished asset.

How fast can I get approved?

Once documents are in, approvals move quickly so you can start building without delays.

Customer Testimonials

Working with Rob and James on my ground up construction loan was the best decision I could have made for my new build. They walked me through every detail, made the funding process seamless, and were always available to answer my questions.

Thanks to their support, I was able to break ground on my dream project with total confidence.

Andrew M., First-Time Homebuyer
Rob, James, and Josh truly understand the needs of builders and developers. They helped me secure funding for my ground up construction project faster than I expected, with terms that worked perfectly for my timeline and budget.

I wouldn’t trust anyone else with my future projects.

Kendra T., First-Time Homebuyer
I’ve worked with a lot of lenders, but Rob and James set a new standard. They know the challenges of starting from the ground up and made sure I had the right loan structure to keep my project moving forward.

Their expertise and dedication made all the difference. Five stars all the way.

Carlos R., First-Time Homebuyer
James and Rob were incredible partners throughout my ground up construction journey. From the first call to the final draw, they were responsive, transparent, and committed to helping me succeed.

I couldn’t have asked for a smoother or more supportive experience.

Melissa G., First-Time Homebuyer

A Clear, Step-by-Step Path to Building New

How It Works

Apply & Sign Preliminary Term Sheet

Start by submitting your application and signing the preliminary term sheet. This step kicks off underwriting and lets us move quickly on your file.

Submit Plans and Scope of Work

Submit your executed contract, scope of work, and architectural/engineering plans for appraisal and project setup.

Provide Supporting Documents

Upload required documents, including proof of funds, permits, insurance, corporate documents, and borrower package to ensure a smooth approval process.

Access Draws During Construction

Receive funds in stages as construction progresses, aligned with approved milestones, to keep your build on schedule and fully funded.

Complete, Lease or Sell, and Exit

Finish construction, stabilize your property with tenants or prepare it for sale, then refinance or exit the project to capture your returns.

Bring Your Next Ground Up Project to Life with Confidence

From raw land to a finished build, our Ground Up Construction loans are designed to help you move fast and build smarter. We make funding easy with flexible draws, quick approvals, and expert support every step of the way.

Focus on what you do best — creating value through new construction — and let us handle the financing.

Get Pre-Approved Today Talk to a Construction Lending Specialist

Flexible Ground-Up Construction Loans