2026 Construction Loans in Valley, Alabama

Lendersa® provides a comprehensive list of construction loan providers in Valley, AL, including regional banks, national lenders, and local hard money financiers who utilize private capital for ground-up construction projects or major renovation tasks.

In Valley, AL, the cost estimation for building a 2,000 Sqft home ranges from $213,744 for a basic build to $388,489 for more upscale construction. The interest rates and terms of these loans can vary according to factors such as the borrower's financial situation, Loan-to-Value (LTV) ratio, After-Repair Value (ARV), and the type of lender selected.

Experience the Magic Construction Loan Calculator

Lendersa® employs AI technology to rapidly align your loan application with a broad range of construction lenders, ensuring all your financing needs are met. Uncover the best construction loan rates for supporting projects like ground-up developments, major rehabs, or fix-and-flips for both residential and commercial real estate in AL.

Finding Construction Loan Providers Nearby?

To protect your credit score, avoid unnecessary inquiries. You can secure preapproval for a land loan without having to disclose your social security number or other sensitive financial information.

Pledging additional properties as collateral (a blanket loan) might qualify you for 100% LTV financing.

Utilize the Lendersa® land loan calculator to locate lenders providing loans for vacant land within ZIP codes 36854.

Valley Construction Loan Lenders
(334) 745-4711 Lender's profile and map Four Seasons Federal Credit Union 2915 Pepperell Parkway, Opelika, AL, 36801 Lends in Alabama Four Seasons Federal Credit Union is a financial institution in Lee County Alabama serving those who live, work, worship, or attend school in Lee County. We offer convenient financial services and a full array of savings, checking, and loan products to meet our member's financial needs.
(877) 846-6307 Lender's profile and map BNB & Associates, LLC 108 Columbus Parkway, Opelika, AL, 36801 Lends in Alabama BNB & Associates, LLC is your premier one stop shop real estate broker, mortgage broker and residential contractor. We service the great states of Alabama and Georgia. We list homes, sell homes, finance homes and build homes. We offer Conventional, FHA, USDA, VA, High Balance, Construction, Non-QM and Commercial Loans.
(334) 298-0691 Lender's profile and map Phenix-Girard Bank 801 13th St, Phenix City, AL, 36867 Lends in Alabama We are a community Bank whose mission is to provide superior service and innovation to our customers Phenix Girard Bank is a Bank with operations in one state. Phenix Girard Bank offers numerous mortgage programs including conventional, non-owner occupied, FHA, VA, USDA and construction mortgages.
(334) 821-9200 Lender's profile and map AuburnBank 100 North Gay Street, Auburn, AL, 36830 Lends in Alabama Auburn National Bancorporation, Inc. (Nasdaq: AUBN) is a bank holding company headquartered in Auburn, Alabama, with total assets of $790 million as of March 31, 2015. Through our wholly-owned subsidiary, AuburnBank, we offer a full range of banking services to commercial and retail customers
(205) 588-0672 Lender's profile and map GULF STATES FINANCIAL 305 E. Thach Avenue, Suite H, Auburn, AL, 36830 Lends in Alabama Our firm is committed to developing solutions that are on target with your needs, & to implement them competently, responsibly and with confidence. It is our policy to provide independent & sound loan products whatever your financial situation. If you need expert advice that achieves optimal results. Gulf States Financial is your trusted lender.
(334) 567-0081 Lender's profile and map First Community Bank of Central 715 Wilson St Wetumpka, Wetumpka, AL, 36092 Lends in Alabama First Community Bank of Central Alabama is a commercial Bank that has been open since August, 2001. We currently have offices in Wetumpka, Millbrook, Eclectic, Prattville, Tallassee, and Holtville. We also operate a Wealth Management Division and a full-service mortgage company, First Community Mortgage. It is our belief that a community is best
(256) 362-2334 Lender's profile and map The First Bank of Alabama 120 East North Street, Talladega, AL, 35160 Lends in Alabama Founded in 1848, FNB is the oldest continuously operating bank in the state of Alabama. We are proud to be a member bank of the FDIC and an Equal Housing Lender. Our focus is on the Talladega, Lincoln and Munford communities in North Talladega county as well as the surrounding areas. We are a full service bank catering to both consumer
(256) 245-4776 Lender's profile and map Heritage South Credit Union 60 Gene Stewart Boulevard, Sylacauga, AL, 35151 Lends in Alabama Heritage South Credit Union is a full service financial institution with locations in Sylacauga, Childersburg, and Moody, Alabama. We offer a full line of Savings, Checking, Loans, Credit Cards, Certificates, IRAs, and much more! Check out our website for the full line of products we offer.
Also lends in Alabama
(706) 320-4512 Lender's profile and map Envoy Mortgage, LTD 5820 Veterans Pkwy, Suite 309, Columbus, GA, 31904 Envoy is changing the mortgage experience for our homebuyers, business partners and associates by investing in efficient digital technology that produces faster results and delivers the best customer service experience available in the industry. We have opened over 130 local branches, in 47 states throughout the U.S.
(706) 320-8500 Lender's profile and map Kinetic Credit Union 1251 13th St, Columbus, GA, 31901 Kinetic Credit Union has been serving the needs of our members since 1956. Located in Columbus, Ga., Kinetic serves a seven-county area in west central Georgia and east central Alabama The benefits of a Kinetic membership extend far beyond convenient banking solutions, competitive rates, and financial advice.