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Construction Loans
Build Your Dream Home From the Ground Up
Updated: February 2026
Reviewed: February 2026 by Sebastian Naranjo, NMLS #2313958
Building a property from the ground up requires more than just vision—it requires reliable financing. At SRK CAPITAL, we offer construction loans tailored for those looking to fund new builds, major renovations, or custom homes. Let's take a look at how construction loans offer flexible terms meant to support every phase of your project.
What Are Construction Loans?
Construction Loans are short-term loansdesigned to cover the cost of building a new property or undertaking major construction projects. These loans differ from traditional mortgagesbecause they support the construction as well as the cost of the property. They feature disbursements that pay out when certain project milestones are met. Once construction is done, this type of loan can be converted into permanent financing for long-term ownership. This helps with the planning monthly mortgage payments once the home is ready for occupancy.
Key Features of Construction Loans
Flexible Disbursement Schedules
Funds are released in stages based on your project's progress. This makes sure that you have what you need at each phase without tying up all your capital upfront.
Interest-Only Payments During Construction
You pay interest on the outstanding loan balance during construction. This keeps costs down while the project is underway.
Transition to Permanent Financing
You can convert your loan into a traditional mortgage once your project is completed. Thus simplifying the process and eliminating the need for a second loan application.
Customizable Loan Terms
Choose from flexible term lengths and payment options to match your project's timeline and your financial strategy.
Who Can Gain from Construction Loans?
Home Owners Building Custom Homes
If you're looking to build your own home, a construction loan offers the cash needed bring your vision to life.
Real Estate Investors Developing Properties
Whether it's a single property or a larger development, construction loans support investors with the capital needed for project completion.
Builders and Developers
Construction loans offer builders the cash necessary to cover labor, materials, and other costs tied to the new development.
Renovators and Remodelers
This financing can be used for major home renovations beyond basic remodeling. This includes major home upgrades or expansions to an existing property.
The Construction Loan Process
Pre-Approval
Start by discussing your project and construction goals with our team. We review your plans, budget, and credit to help you get the best financing available.
Collecting Loan Documents
Our team will explain exactly what loan documentation is required for your loan. Thus ensuring everything is in place for a smooth loan approval.
Funding Disbursement
Funds are distributed once project milestones are reached. This way the needed funds are available at each phase.
Conversion to Permanent Loan
Upon completion of the project, SRK CAPITAL can help you convert your loan into a long-term mortgage.
Regularly Asked Questions About Construction Loans
Why Choose Us?
Get the Best Interest Rates
Our rates are low so you save while getting your dream home
Seamless Loan Experience
Our team ensures your loan is completed on time and with ease
How to Get Started
Ready to Begin?
To get started, simply reach out to our team today for free a personalized consultation. We will guide you through the entire process, from start to finish. And we are committed to getting you the best loan choice based on your financial goals.
Get Started on Your Construction Project Today
SRK CAPITAL is here to make your construction financing as easy as possible. Our construction loans can help get your project off the ground. Our team is ready to get you the best construction financing available so you can build your dream property.
Get in touch with SRK CAPITAL today to learn how we can turn your dream home into reality.
SRK CAPITAL – Helping You Build Your Vision, One Brick at a Time.
Financial Disclosure
The information provided on this page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates and terms are subject to change and may vary based on your individual financial situation. Please consult with a licensed mortgage professional at SRK CAPITAL for personalized guidance.