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Apply for a Construction Loan in California
Get approved for your next project with Pacific Prestige Properties. Whether you’re a homeowner, investor, or builder, our team connects you with competitive construction-to-permanent loans, owner builder programs, and renovation financing designed for California projects.
Construction Loan Application
Download Complete Guide to Construction Loans 2025 pdf
What You’ll Learn in This Guide
- The main types of construction loans: construction-to-permanent, standalone, renovation, owner-builder, and speculative loans.
- How the construction loan process works step by step, from prequalification through final inspection.
- Documentation you’ll need for approval, including building permits, Form 1003, blueprints, budgets, and insurance.
- Typical credit, down payment, and reserve requirements lenders look for in California.
- How construction loan rates compare with traditional mortgages, and what factors influence pricing.
- The difference between single-close and two-close loan structures, and how to choose between them.
- Risk factors such as cost overruns, delays, appraisal gaps, and how to mitigate them.
- Options for borrowers with weaker credit, including FHA and VA construction loan programs.
- Real California case studies, showing how homeowners and builders financed custom homes, remodels, and ADUs.
- Checklists, worksheets, and resources you can use to prepare for your own construction project.
Licensed Expertise and Trusted Partnerships Powering Every Project
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