Construction Loans CA

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About Construction Loans CA

As a full-service mortgage broker, Construction Loans CA, the online division of Discount Rate Mortgages, offers informational resources to those interested in understanding construction loans, and competitive rates and excellent service on all types of real estate loans including construction, lot loans, refinances, purchase loans, commercial, mixed-use, multi-family, investment, first mortgages, second mortgages and home equity lines of credit.

Loan Types

	Owner Builder Loans : For homeowners who want to be their own contractor, owner builder loans are a great way to control costs, stay on schedule and gain equity at the completion of construction. They may be used to build a primary residence or a vacation home. Owner Builder Loans are available for people with credit scores as low as 620.
	Land Lot Loans: provide financing for the purchase or refinance of land. A Purchase Lot Loan is a good choice if you find the perfect lot but you need some time to design your home and hire a contractor. Purchase lot loans are available for primary residences or second homes. For people who already own their lot, Rate and Term Refinances are available on the same terms as purchase lot loans.
	One Time Close Loans : Traditional construction loans were short-term loans that only financed the cost of construction. Today, there are combination loan programs that wrap multiple loans into a single application and closing. They are called "One Time Close" , or In construction costs and then to get a permanent "Single Close" , "Construction to Permanent" or " CTP " loans.
	Spec Loans: short for a "speculative" loan. Spec loans provide financing for investors and builders to build homes that they intend to sell upon the completion of construction. Like most commercial loans, they are asset based and do not depend upon credit scores or debt to income ratios. Instead, they are based upon the experience of the builder, the marketing plan and submission of income documentation establishing that the borrower's business is profitable.

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