2026 Construction Loans use AI Lenders complete for Atherton, California

The Lendersa® compilation of construction loan providers in Atherton, CA, includes a diverse selection of regional banks, national lenders, and local hard money lenders that leverage private funds to support your ground-up construction ventures or significant rehabilitation efforts. This array of financial institutions ensures you have access to the right resources for your project, no matter its scale or complexity.

For those looking to build a 2,000 square-foot home in Atherton, CA, the estimated construction costs range from $318,060 for simpler constructions to $576,358 for more premium designs. This cost spectrum gives you the flexibility to choose a design that suits your budget and style preferences. It's important to note that interest rates along with loan terms can vary greatly, influenced by factors such as the borrower's financial details, loan-to-value (LTV) ratios, after-repair value (ARV), and the specific type of lender selected.

For a broad overview of the available options, you can compare loan offers from 100 lenders.

Discover the Magic with Our Construction Loan Calculator

Lendersa®'s cutting-edge AI technology plays a crucial role in ensuring all your construction financing needs are efficiently met. By instantly aligning your loan request with hundreds of potential construction lenders, our platform simplifies the search for ideal lending options. You can explore the most competitive construction rates for funding projects such as ground-up constructions, fix-and-flip opportunities, or major rehabs across both residential and commercial properties located in CA.

Are There Construction Loan Lenders Close to You?

Avoiding unnecessary credit inquiries can help protect your credit score; therefore, it's advisable to seek preapproval for your land loan without needing to access your social security number or any sensitive financial information. This approach provides peace of mind by safeguarding your data while you explore financing options.

By agreeing to use additional property as security, you may qualify for 100% LTV (Loan to Value) financing through a handy blanket loan arrangement. This option can significantly ease the financial burden when it comes to securing a loan.

For those interested in finding lenders who specialize in vacant land loans, utilize the Lendersa® land loan calculator to uncover options within the zip codes 94027. This tool is instrumental in pinpointing the best vacant land loan offers available in your specified region.



  • One Million Dollar Plus
  • 71330 CA-111, Rancho Mirage, CA, 92270
  • One Million Dollar Plus finances luxury and ultra-luxury residential mortgages. Our expert team works with a diverse pool of top-tier national and international clients, creating wealth at the market’s lowest rates with the least hassle. We first identify the best possible terms and then supervise the entire lending process on our clients behalf.
  • C3bank, National Association
  • 850 S. Coast Hwy 101, Encinitas, CA, 92024
  • C3bank is a customer focused banking institution. The clients we serve and the relationships we have developed are just as important as the accounts we maintain. We are committed to offering premier banking services and continuous improvement of our product lines and offerings. C3bank founded in 1981.
  • Allstar Capital Group, Inc
  • 573 2nd Street, Encinitas, CA, 92024
  • Allstar Capital Group, Inc, a private mortgage lender supported by the financial strength of a pool of over 500 Investors. Our investor base is comprised of high-net-worth individuals, institutions, and pension funds and makes bridge loans typically ranging from $100,000 to $3,000,000 on commercial and residential properties.
  • FundLoans
  • 662 Encinitas Blvd., Ste. 270, Encinitas, CA, 92024
  • "FundLoans is an exception-based wholesale mortgage lender that specializes in Jumbo, Super Jumbo, and Non-QM solutions. A redefined Non-QM experience with “out-of-the-box” guidelines, that take a more holistic approach at underwriting. Contact us today about becoming an approved broker! "
  • Scottway Capital
  • 1106 2nd Street, Suite 823, Encinitas, CA, 92024
  • ScottWay Capital is led by Morgan A. Scott. As the Broker of Record he oversees all commercial and residential services. He graduated from the University of California in San Diego with a Bachelors of Arts in Economics and Finance. Morgan began his pursuits in the real estate and lending industry in 2002
  • Charger Funding
  • 1106 2nd St, Suite 411, Encinitas, CA, 92024
  • Charger Funding was founded in 2008. Those of you who have worked with us know that we are experienced and hard working advocates for your files
  • Jim Lackey Associates
  • 2240 Encinitas Blvd., Suite D, #109, Encinitas, CA, 92024
  • Jim Lackey Associates provides access to private capital in the form of either loans or private equity for businesses and individuals. Founded in March 2004, the company has arranged financing of over $100 million, including purchase loans, refinance loans, construction loans, private equity, and a variety of other transactions.
  • Charger Funding
  • 515 Encinitas Blvd Suite 203, Encinitas, CA, 92024
  • Charger Funding was founded in 2008. Those of you who have worked with us know that we are experienced and hard working advocates for your files. Charger Funding has been doing private money lending in California for over a decade and we know how to get the job done.We’re the ones to call when you have a deal that absolutely must close.