Loan Programs
Explore our financing solutions
Ground-Up Construction Funding
Build new 1-4 family investment properties with financing from a direct lender. Freedom Capital Funding lends on ground-up construction projects with up to 90% loan-to-cost for qualified borrowers, so more of your capital stays free for your next deal. With a 660 minimum credit score and funding in as little as 7 days, you can move from lot to foundation without waiting on slow approvals.
We are the lender, not a broker. You work directly with our team from application through closing and every draw.
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Ground Up Construction Loans (1-4 Family Homes)
| Features | Details |
|---|---|
| Loan To Cost | Up to 90% LTC |
| Min FICO | 660 |
| Funding Speed | As little as 7 days |
| Property Type | 1-4 family investment properties |
| Lender | Direct lender (not a broker) |
Up to 90% LTC for qualified borrowers. All loans are subject to credit approval, underwriting and property valuation, and terms may change without notice.
How Construction Draws Work
Construction funds are released in stages as your project progresses.
- 1
Budget & schedule
Before closing, we review your construction budget and timeline and agree on how the work is broken into draw stages.
- 2
Build the stage
You complete the work for a stage, keeping the project on schedule.
- 3
Request a draw
When a stage is done, you submit a draw request for the completed work.
- 4
Inspection & release
The completed work is verified, then the funds for that stage are released so you can move to the next one.
Draw stages and requirements are set for each project during underwriting.
Ground-Up Construction FAQ
Is Freedom Capital a lender or a broker?
Freedom Capital Funding is the lender. You work directly with our team from application through closing and draws.
How much of the project can you finance?
Up to 90% of total project cost (LTC) for qualified borrowers. Your final leverage depends on underwriting, the property and your project budget.
What credit score do I need?
The minimum credit score for ground-up construction loans is 660.
How fast can I get funded?
Funding in as little as 7 days once your application, documents and property evaluation are complete. Timelines vary by project.
What types of properties qualify?
Ground-up construction of 1-4 family investment properties. These are business-purpose loans; we do not lend on owner-occupied primary residences.
How are construction funds released?
Construction funds are released through draws as work is completed and verified. Our team walks you through the draw process before closing.
What do I need to apply?
Start with our online application and your project details. Our team will reach out about the documents needed for your specific project, such as plans, budget and timeline.
Ready to break ground?
Send us your project details and our team will reach out to discuss next steps.