Residential Construction Loans
Ground-up construction financing for residential builders, developers, and investors — structured with milestone-based draw schedules, LTC underwriting, and interest-only payments during the build period.
Residential Construction Loan Program
Ground-up residential construction financing sized on total project cost and completed value — draw-based funding, interest-only during construction, and builder-focused underwriting.
- Loan TypesGround-Up Construction, Lot + Construction
- Loan Amounts$150K–$10M+
- Loan Term12–24 Months
- LTCUp to 80–85% of Total Project Cost
- LTARVUp to 65–70% of Completed Value
- DisbursementDraw-Based (Milestone Inspections)
- Interest StructureInterest-Only During Construction
- Builder ExperiencePreferred; First-Timers Considered
Who This Program Is For
Ground-up construction financing for residential builders, developers, and investors building new homes, spec properties, and small residential projects.
Property Types
Single-Family Homes (Spec)
Speculative new construction for resale — primary builder program
Single-Family (Custom)
Owner-commissioned custom residential builds on owned lots
2–4 Unit Residential
New construction duplex, triplex, and fourplex investment projects
Townhomes
Attached residential new construction and townhome development
ADUs (select programs)
Accessory dwelling unit construction on existing residential lots
Tear-Down/Rebuild
Demolition and ground-up reconstruction of residential properties
Typical Requirements
Why Gloven Capital for Construction Financing
Builder-focused financing review — access to residential construction lender relationships with draw-based funding and LTC/LTARV underwriting.
- Draw-based funding structure — construction proceeds released as milestones are completed and inspected
- LTC and LTARV underwriting — sized on total project cost and completed property value
- Interest-only during construction — preserve cash flow throughout the build period
- Builder and developer lender relationships — access to residential construction-focused programs
- First-time builder programs available through select lender relationships
- LLC and entity vesting accepted — structure projects in your development entity
- Advisory approach from financing review through draw management and permanent financing strategy
Ready to Finance Your Construction Project?
Submit a financing request and a Gloven Capital advisor will review your construction project profile and identify the right ground-up financing structure.
Request Construction Financing ReviewDisclaimer: Programs, rates, terms, eligibility requirements, and documentation requirements vary by lender and are subject to change without notice. Financing is not guaranteed and remains subject to lender underwriting approval. This page is for informational purposes only and does not constitute a commitment to lend, financial advice, or legal advice. All loan programs are subject to lender credit approval, income verification, property appraisal, and applicable federal and state lending regulations. Not all borrowers will qualify.