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Victorville sits in the High Desert with room to build. Land is more available here than in coastal California markets.
That land availability makes construction loans a real option. You're not competing for finished homes on a tight MLS.
680+
Min Credit Score
20-25%
Down Payment
12 months
Typical Loan Term
1 (construction-to-perm)
Closings Required
Interest-only draws
During Build
Construction Loans in Victorville
Most lenders want a 680+ credit score for construction loans. Some go lower, but your rate takes a hit below that threshold.
Expect a 20-25% down payment. Lenders see construction as riskier than buying a finished home — that risk shows up in the down requirement.
Local decision guide
Use this guide to connect construction loans eligibility, lender expectations, and local market factors before comparing payment options in Victorville.
Victorville sits in the High Desert with room to build. Land is more available here than in coastal California markets.
That land availability makes construction loans a real option. You're not competing for finished homes on a tight MLS.
Most lenders want a 680+ credit score for construction loans. Some go lower, but your rate takes a hit below that threshold.
Not every lender does construction loans. Fewer than half the wholesale lenders we work with offer them at all.
The ones that do have strict draw schedules and inspection requirements. Understanding those terms before you sign matters.
The biggest mistake we see: borrowers shop rate before they have a builder locked in. Lenders want approved plans and a signed contract first.
Construction-to-permanent loans save you one closing. You lock the loan once, build, then it converts. That's usually the right move in Victorville.
Hard money construction loans close faster but cost more. Rates run significantly higher and terms are short — 12 to 18 months.
Conventional construction-to-permanent loans take longer to close but carry lower rates. If you have time, conventional wins on cost.
San Bernardino County has specific building codes and permit timelines. Delays at the county level affect your draw schedule and loan term.
High Desert weather — heat, wind, and soil conditions — can affect build timelines. Build those risks into your contingency budget.
The lender funds your build in phases called draws. At completion, the loan converts to a permanent mortgage.
Most lenders say no. They require a licensed, insured general contractor with a verifiable track record.
The lender won't increase your loan mid-build. You cover overruns out of pocket — that's why a contingency reserve matters.
Typical construction terms run 12 months. Extensions are possible but cost money — finish on schedule.
No. Most construction loans require interest-only payments on funds drawn. Full payments start after conversion.
Yes, if it's buildable and has access to utilities. Lenders will order an appraisal based on the completed value.