Flexible Financing for Homebuilders, Developers, and Investors.
What is a Residential
Construction Loan?
A residential construction loan is a short-term financing solution used to fund the construction or major renovation of a home. Unlike traditional mortgages, these loans are disbursed in phases based on project milestones, ensuring funding is available as construction progresses.
Residential Construction Loan
Rates & Financing
Construction loan rates depend on factors like loan amount, project type, borrower credit, and market trends. We offer tailored solutions and competitive rates with flexible repayment options to support cash flow during residential projects.
How to Apply for a Residential Construction Loan
Connect with a Lending Specialist
Submit Your Information
Loan Approval & Disbursement
Recent Residential Construction and Bridge Real Estate Deals
$5,090,000
SFR Spec Construction Loan
4,987 SF Luxury Home
Manhattan Beach, CA
$10,620,000
SFR Bridge Loan
21 Unit Condominium Community
Pasadena, CA
$1,760,000
SFR Tract Construction Loan
1,535 Avg SF Four Luxury Homes
Stanton, CA
Residential Construction Loan FAQs
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Is a residential construction loan available if I plan to build a home(s) and subsequently sell the home(s) to a buyer(s) upon completion?
Yes, Pacific Premier Bank’s single-family residential (“SFR”) construction loan product is designed specifically for developers and investors and not for owner-occupied residents (those who will reside in the home after completion). Please contact our construction lending specialists to determine next steps.
Do I need to provide more than project-related information to obtain a construction loan?
Yes, our construction lending specialists will help you determine what needs to be considered for a construction loan.
How does a construction loan work if I plan to develop an apartment building?
Visit our Commercial Construction loans page to learn more.
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