Construction Loans Built for Builders Who Want to Scale
Institutional-grade capital with private-money speed. We provide the leverage you need to break ground on your next masterpiece.
LEVERAGE
90%
LTC
Up to 100% of vertical construction costs covered for qualified sponsors.
STRUCTURE
Interest
Only
Preserve cash flow during the development cycle with IO monthly payments.
DURATION
12-24
Months
Flexible terms matching your project’s specific completion timeline.
VELOCITY
3
Accelerated underwriting process for repeat institutional partners.
Sophisticated Capital for Every Asset Class
Ground-Up Construction
Industry-leading leverage for developers of luxury residential and commercial assets.
Explore ProgramGround-Up Construction
Industry-leading leverage for developers of luxury residential and commercial assets.
Multifamily Bridge
Stabilize apartment assets with flexible short-term interest-only capital.
Multifamily Construction Loan
Ground-up construction financing for 5+ unit multifamily and build-to-rent projects.
Recently Funded Deals
Proven performance across primary and secondary markets.
$2.4M Ground-Up
Los Angeles, CA • Construction
$5.1M Multi-Family
Miami, FL • Acquisition Bridge
$1.8M Commercial
Austin, TX • Value-Add
Institutional Trust
Hear from the developers and contractors scaling their businesses with HML’s specialized capital facilities.
4.8
“Very Happy with all the professional services provided. Owen and the Team help my company grow on the new construction world a lot, Luxury home and Rental portfolio, Thank you to everybody, Excellent Team. Recommended 100%.”
Sebastian Sotillo
STRUCTURE
“HML, and specifically Ethan, has been great to work with. They understand real estate and construction, and their underwriting is more than fair. I can finally scale with a financial partner…”
Kyle W
Real Estate Developer
“Owen and Whitney were awesome to work with and got things handled quickly and answered our questions quickly.”
Evan Howard
Institutional Client
“Owen Youngren helped me with ground up construction loans and the process was amazing. Whitney was a great underwriter as well. This team is awesome. They service nationwide.”
Arne Carter
General Contractor
Streamlined Deployment
The 3-Step Institutional Workflow
01
Digital Submission
Upload project plans, entitlements, and your track record through our secure partner portal.
02
Underwriting Scan
Our algorithmic risk engine validates project feasibility and sponsor credit within 48 hours.
03
Capital Release
Closing within 10 days of final approval. Vertical draws managed via 24-hour inspection turnarounds.
Clarity & Confidence
Common Questions From Builders.
What's the minimum credit score for a ground-up construction loan?
700+ FICO. We pull soft credit only during pre-approval, so applying does not impact your score. If you’re between 680 and 700 with a strong track record, contact us — we can sometimes structure around it.
Do I need to provide tax returns or income verification?
No. For loans under $5M, we do not require tax returns or personal income verification. We underwrite based on your build history, the project economics, and the as-completed value. This is the single biggest difference between us and a community bank.
How fast can you fund a construction draw?
Submit a draw request through our portal. We dispatch an inspector within 24 hours, validate the report, and wire funds typically within 48 hours of the request. We call this Snap Draws™ — it’s built so your crews never sit idle waiting on the lender.
What's an Exposure Limit and how does it work?
An Exposure Limit is a pre-approved capital facility across your entire pipeline — not a single loan for a single project. We underwrite you (the builder) once, set your rate and terms, and then fund every individual project that fits the approved box. No requalifying, no committee, no new application per deal. Limits start at $5M and go up to $100M+ for enterprise builders.
How much can I borrow on a single project?
Up to 90% LTC (loan-to-cost), which typically breaks down as 75% of lot acquisition cost and 100% of vertical construction. The exact number depends on your track record, the market, and the project-level economics.
How long does it take to close?
3 to 4 weeks from a fully executed term sheet to funding, assuming the property is under contract and title is clean. Pre-approval itself takes 24 hours.
What states do you lend in?
40+ states across the U.S. We are headquartered in Los Angeles with a national HQ in Miami, but we lend nationwide. NMLS 1003404 / DRE 01436503.
Can you finance soft costs?
Yes. For qualified builders with entitled projects, architectural, engineering, and permit fees can be rolled into the total loan facility, provided the project fits the LTC requirements.
Is an appraisal required?
Yes — a full “as-completed” appraisal from an approved appraiser. The future value supports the loan amount and protects both you and the capital. We’ve streamlined the appraisal ordering process to keep it inside the 3–4 week close timeline.
What happens if I want to refinance the home into a long-term hold?
Once construction is complete and you have a Certificate of Occupancy, we can transition the loan into a DSCR rental program if you decide to keep the property instead of selling. One lender, two products, zero re-shopping.
Can I use this loan for fix and flip projects?
No — this is specifically for ground-up new construction. For fix and flip projects, see our Fix & Flip program.
Ready to build? Get your term sheet today.
Fill out this short form to schedule a call with our account executives. Takes 2 minutes.
$1B+ Funded
Capital deployed across residential and commercial sectors.
15+ Years Experience
Expertise in navigating complex real estate cycles.
4.8 Google Rating
Trusted by professional builders nationwide.
Nationwide Service
Lending in all 50 states for qualified projects.
