2026 Construction Loans use AI Lenders complete for Clay, Alabama

Lendersa® provides a comprehensive list of construction loan lenders in Clay, AL, including regional banks, national financiers, and local hard money lenders who utilize private money for initiating new construction or undertaking major rehabilitations.

Lenders determine the construction cost in Clay, AL for a 2,000-square-foot home, ranging from $213,392 for basic builds to $388,137 for more elaborate constructions. Interest rates and loan terms depend on the borrower's financial details, LTV, ARV, and the selected lender type.

Compare offers from over 100 lenders

The exceptional construction loan calculator

To comprehensively satisfy your construction financing needs, Lendersa® employs intelligent AI technology to match your loan request with hundreds of construction lenders instantly. Discover optimal construction rates for financing new builds, fix-and-flip projects, or major renovations across both residential and commercial properties in AL.

Construction loan providers near you?

Minimize the risk to your credit score by avoiding unnecessary inquiries. Obtain preapproval for your land loan without the need to provide your social security number or any sensitive financial information.

You may be eligible for 100% LTV financing when you pledge additional property as collateral in a blanket loan.

Utilize the Lendersa® land loan calculator to locate lenders for vacant land loans in zip codes 35173.



Clay Construction Loan Lenders

  • MCGOWIN-KING MORTGAGE
  • 2 Office Park Cir, Suite 103, Birmingham, AL, 35223
  • Lends in Alabama
  • Jim King & Travis McGowin together have more than 80 years in the mortgage business here. When founded McGowin-King Mortgage in 1998, they did so with a simple goal in mind: to build a business on relationships & to foster those relationships with integrity, trust, & community involvement.Every loan brokered since that founding has been anchored.

  • ASSURANCE FINANCIAL, LLC
  • 500 Office Park Dr, Suite 410, Birmingham, AL, 35223
  • Lends in Alabama
  • Founded in 2001, Assurance Financial Group was created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time

  • Metro Bank
  • 800 Martin Street South, Pell City, AL, 35128
  • Lends in Alabama
  • Our Mission is to grow shareholder value through holding the highest standard of customer service with our customers by consistently exceeding expectations, building relationships and maintaining a strong and active presence in our communities. Metro Bank opened on May 30th, 1989.

  • Coosa Valley Mortgage, Inc.
  • 2107 Martin ST S, Suite 102, Pell City, AL, 35128
  • Lends in Alabama
  • Coosa Valley Mortgage, Inc. is a family owned business established in 1996 to serve St Clair County and the surrounding areas. Our mission is to offer competitive rates while providing top-notch customer service and finding the best loan product for your financial situation. We offer a variety of mortgage loan programs

  • Legacy Community Federal Credit Union
  • 1400 South 20th Street, Birmingham, AL, 35255
  • Lends in Alabama
  • Our mission is simple: To help members like you enjoy the best possible financial life. We do this with low fees for our services, competitive loan rates, and helpful advice whenever it’s needed. Every day, in every way, you can count on us as a partner in making the most of your money.

  • Regions Bank
  • 1900 5th Ave N, Birmingham, AL, 35203
  • Lends in Alabama
  • Regions Financial Corporation (NYSE:RF), with $144 billion in assets, is a member of the S&P 500 Index and is one of the nation’s largest full-service providers of consumer and commercial banking, wealth management, and mortgage products and services. Regions serves customers across the South, Midwest and Texas.

  • Union State Bank
  • 2019 Cogswell Avenue, Pell City, AL, 35125
  • Lends in Alabama
  • In 1903 a group of far-sighted businessmen, led by J. Fall Roberson, Sr., joined forces to form a bank to serve the future businesses and citizens of Pell City and St. Clair County. One hundred and sixteen years and four generations of independent banking experience later, UnionState continues to grow and serve a broad community with twelve banking

  • MORTGAGE XPRESS, LLC
  • 153 Narrows Parkway, Suite 103, Birmingham, AL, 35242
  • Lends in Alabama
  • At Mortgage Xpress we take that responsibility very seriously. You can rely on our honesty and the strong desire to exceed your expectation and go beyond call of duty to deliver the results you are looking for. We offer Conventional loans, Adjustable rate loans (ARM), Jumbo loans, FHA, VA and USDA 100% loans, First time home buyer loans

  • Reverse Mortgage Alabama
  • 204 Griffin Park Drive, Suite B, Birmingham, AL, 35242
  • Lends in Alabama
  • Reverse Mortgage Alabama has been exclusive to the Reverse Mortgage or HECM (Home Equity Conversion Mortgage) program in Birmingham and Huntsville, Alabama since 2007. I am honored to serve homeowners age 62 plus throughout the South and I am dedicated to helping you leverage the power of your home equity to achieve greater financial independence.