Question 1

How long do construction loans last in California?

Accepted Answer

Most run 12 months. Some lenders offer 18-month terms. Beaumont permit timelines make the longer option worth asking about.

Question 2

Can I be my own general contractor?

Accepted Answer

Almost never with a conventional construction loan. Lenders require a licensed, insured GC with a track record they can verify.

Question 3

Do I make payments during the build?

Accepted Answer

Yes, but only interest on funds drawn so far. Your full payment starts after the loan converts to permanent financing.

Question 4

What happens if the build goes over budget?

Accepted Answer

You cover it out of pocket. Lenders don't increase the loan mid-build, which is exactly why a contingency reserve matters.

Question 5

Is a construction loan harder to get than a regular mortgage?

Accepted Answer

Yes. Lenders carry more risk on an unbuilt home. Expect stricter credit, higher reserves, and more documentation requirements.

Question 6

Can I build an ADU with a construction loan in Beaumont?

Accepted Answer

Yes, but it depends on the lender program. Some allow ADU construction as part of a new build. Ask us which lenders cover this.

Construction Loans in Beaumont, CA — Build Here, Not Somewhere Else