Loading
Loading
West Sacramento is one of the Sacramento region's fastest-developing cities. New construction is actively happening across Yolo County.
Building here means financing land, permits, and construction in phases. A construction loan funds each stage as work is completed.
680+
Min Credit Score
20-25%
Down Payment
12-18 Months
Typical Loan Term
Yes
Licensed GC Required
Construction Loans in West Sacramento
Construction loans are harder to qualify for than standard mortgages. Lenders want strong credit — typically 680 or higher.
You'll need a licensed general contractor and approved plans. Most lenders require 20-25% down on the total project cost.
Local decision guide
Use this guide to connect construction loans eligibility, lender expectations, and local market factors before comparing payment options in West Sacramento.
West Sacramento is one of the Sacramento region's fastest-developing cities. New construction is actively happening across Yolo County.
Building here means financing land, permits, and construction in phases. A construction loan funds each stage as work is completed.
Construction loans are harder to qualify for than standard mortgages. Lenders want strong credit — typically 680 or higher.
Not every lender does construction loans. Many banks stopped offering them after 2008. The wholesale market still has strong options.
We work with 200+ wholesale lenders. Several specialize in construction-to-permanent financing for Yolo County borrowers.
The biggest mistake I see: borrowers lock a builder before securing financing. Get your loan approved first.
Construction timelines slip. Make sure your loan allows for extensions. Some lenders cut off funding if the build runs long.
A construction loan isn't your only path. Some buyers use bridge loans or hard money to acquire land and build fast.
Construction-to-perm is usually cheapest long-term. It rolls your build financing into one permanent conventional loan.
West Sacramento sits in Yolo County, which has its own permit timelines and inspection processes. Plan for delays.
Flood zone considerations affect parts of West Sacramento. Your lender will require flood zone verification before funding.
The lender releases funds in draws as each build phase is completed. At the end, it converts to a permanent mortgage.
Most lenders want 680 or higher. Some programs allow lower scores but require more down or charge higher rates. Rates vary by borrower profile and market conditions.
Some lenders allow owner-builder setups, but most won't. Expect heavy documentation requirements if a lender does approve it.
Typically 12 months, sometimes up to 18. Extensions are possible but not guaranteed — ask your lender upfront.
You cover overages out of pocket. Lenders fund the approved amount only. A contingency reserve of 10-15% is strongly advised.
Yes, but only on the amount drawn. You pay interest only during the build phase, not the full loan balance.