Ground-Up Construction Loans for Experienced Single-Family Builders and Developers
Private construction financing for single-family ground-up projects, from land acquisition through completion.
30-day free trial
Peronalized onboarding
Access to all features
Loan Volume
$22 Billion
Loans Funded
37,000+
Founded in
1998
Repeat Borrowers
85%
Homes Constructed
53,000+
Lending in
48 States
Why Builders and Investors Choose Anchor Loans for Ground Up Construction
Builders and developers choose Anchor Loans because we understand the realities of residential construction. We evaluate projects through a construction-first lens and structure financing to support real-world execution.
Construction Underwriting
Construction-first underwriting aligned with real-world build timelines
Proven Track Record
Proven track record funding single-family ground-up projects nationwide
Dedicated Lending Teams
Dedicated construction lending teams who understand execution risk
Reliable Capital
Reliable capital backed by a long-term institutional platform
Anchor Loans is one of the nation’s largest direct private lenders, providing first-lien, business-purpose real estate loans to investors, builders, and developers nationwide.
Talk to a Construction Lending Specialist
Reach out to get your next deal started today.
Loan Options
For Every Stage of Project
Loan to Cost
Up to 85%
Loan to Value
Up to 90%
Targeted Loan Amounts
$75K to $200M
Terms
12 to 36 months
Loan terms vary by project, borrower experience, and market.
Recently Funded Ground-Up Construction Deals
Anchor Loans actively funds ground-up construction projects across diverse residential markets. Below are examples of recently completed construction financings.
$7.5M
Koloa, HI
Ground Up Construction
Single Family
$4.7M
Las Vegas, NV
Ground Up Construction
Single Family
$6.9M
Paradise Valley, AZ
Ground Up Construction
Single Family
$2.4M
Dallas, TX
Ground Up Construction
Single Family
$5.7M
Henderson, NV
Ground Up Construction
Single Family
$2.4M
Los Angeles, CA
Ground Up Construction
Single Family
Essentials for approval
Experience
We strive to serve sponsor groups (builders, developers, general contractors) with a track record of recent success.
Project Plan
Our team will quickly assess the plan for the project and provide timely feedback. Please include a breakdown of costs and future values. For projects with 5 or more homes, please include development cash flows.
Property
Qualifying projects should have documentation of appropriate zoning and entitlements to support the project business plan.
Guarantor Strength
Understanding the backing of the guarantors is a critical component of our valuation, including FICO, liquidity, and tangible net worth.
“These guys are the best! They fund quickly and help me get deals. I have used them 5 times in the last year and am thrilled with their customer service! Highly recommend!”
Mark M.
Real Estate Investor
I go to Anchor Loans for all of my ground up construction deals because they consistently deliver a smooth and efficient process from start to finish. I have completed multiple loans with Anchor Loans and every experience has been nothing but accommodating and professional.
Anthony S.
Real Estate Investor
Support
Ground-Up Construction Loan FAQs
What is a ground-up construction loan?
A ground-up construction loan is a form of private construction financing used to fund the development of a new residential property from the ground up. These loans typically cover land acquisition and construction costs and are funded through draws tied to construction milestones.
Who qualifies for a ground-up construction loan with Anchor Loans?
Anchor Loans works with experienced residential builders and developers who have a demonstrated track record of completed construction projects. Borrowers must show the experience, financial capacity, and project plan required to successfully execute a single-family ground-up construction project.
What types of ground-up construction projects does Anchor Loans finance?
Anchor Loans finances single-family ground-up residential construction projects, including spec homes, custom homes, infill development, and single-asset residential builds. Both luxury and non-luxury residential construction projects are eligible.
How are construction funds disbursed?
Construction funds are distributed through a draw-based process tied to completed construction milestones. Draws are reviewed and funded as progress is made throughout the construction lifecycle.
Are ground-up construction loans available nationwide?
Yes. Anchor Loans provides private construction financing for ground-up residential projects across the United States, subject to state-specific lending requirements.
What is the typical loan term for a ground-up construction loan?
Ground-up construction loan terms typically range from 12 to 36 months, depending on the project scope, market, and borrower experience.
How is Anchor Loans different from traditional construction lenders?
Anchor Loans specializes in private construction lending for experienced builders. We combine flexible loan structures, construction-focused underwriting, and hands-on execution to support real-world residential construction projects.
How do I start a ground-up construction loan with Anchor Loans?
To get started, submit a ground-up construction loan inquiry through this page or connect directly with a construction lending expert to discuss your project and financing needs.
Is submitting an inquiry a commitment to move forward?
No. Submitting a ground-up construction loan inquiry allows our team to review your project and determine fit. There is no obligation to proceed.
Ready to Start Your Loan Application?
Submit your next deal today.