Carmel-by-the-Sea, California Construction loan lenders AI selection 2026

The Lendersa® directory of construction loan lenders in Carmel-by-the-Sea, CA comprises national lenders, regional banks, and local hard money lenders, all leveraging private funds to support your projects, whether they're ground-up constructions or significant renovations.

For a 2,000 square foot home in Carmel-by-the-Sea, CA, construction costs are estimated from $316,674 for basic structures to $574,972 for more elaborate alternatives. Interest rates and other loan conditions depend significantly on borrower financials, the Loan-to-Value (LTV) ratios, After-Repair Value (ARV), and the chosen type of lender.

Explore offers from an array of 100 lenders

The Innovative Construction Loan Calculator

To meet each of your construction financing needs, Lendersa® uses AI technology to promptly match your loan inquiries with numerous construction lenders. Discover the most competitive construction loan rates to finance your ground-up constructions, renovation flips, or major rehab work for both residential and commercial properties across CA.

Are there Construction Loan Lenders Nearby?

Reducing unnecessary credit inquiries assists in maintaining a solid credit score. Secure a preapproval for your land loan without needing to enter your social security number or disclose other sensitive financial information.

You may become eligible for 100% Loan-to-Value (LTV) financing if you choose to pledge additional assets as collateral, often referred to as a blanket loan.

Utilize the Lendersa® land loan calculator to locate lenders providing vacant land loans in zip codes listed as 93923.



Carmel-by-the-Sea Construction Loan Lenders

  • HCS equity
  • 7412 cypress lane, Carmel, CA, 93923
  • Lends in California
  • HCS Equity provides private real estate loans to trusts and estates throughout California. For more than 15 years we have used our own capital to provide heirs, probate/estate attorneys, guardians and conservators specialized financing. We are focused on being a financial resource for estates that are experiencing liquidity shortages.

  • HCS Equity
  • 7412 Cypress Lane, Carmel, CA, 93923
  • Lends in California
  • HCS Equity provides private real estate loans to trusts and estates throughout California. For more than 15 years we have used our own capital to provide heirs, probate/estate attorneys, guardians and conservators specialized financing. We are focused on being a financial resource for estates that are experiencing liquidity shortages.

  • Monterey County Bank
  • 601 Munras Avenue, Monterey, CA, 93940
  • Lends in California
  • Monterey County Bank, a wholly-owned subsidiary of Northern California Bancorp, Inc, provides retail and commercial banking products and services to individuals and small and medium-sized businesses in California. The company’s deposit products include personal and business checking accounts, savings accounts, money market investment accounts

  • Pacific Valley Bank
  • 422 Main Street, Salinas, CA, 93901
  • Lends in California
  • To Pacific Valley Bank, being truly local means having strong roots in the community, an unmatched knowledge of local industry, and relationships with community and business leaders. We believe supporting the community means much more than simply offering financial support. Pacific Valley Bank focused on small to medium size businesses.

  • Seraph Rates
  • 32 E Alisal Street, Salinas, CA, 93901
  • Lends in California
  • Seraph Rates full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates.

  • Malvini Mortgage
  • 210 Capitol St, Suite 2, Salinas, CA, 93901
  • Lends in California
  • At Malvini Real Estate Group finding a home that is perfect for you while working within your budget is a specialty of ours. Let Steve Malvini help you relieve the stress and uncertainty of buying and/or selling a home. Our Financial Services provide professional, knowledgeable, and experienced tax preparers to help

  • Platinum Capital Mortgage
  • 22581 Murietta Road, Salinas, CA, 93908
  • Lends in California
  • Platinum Capital Mortgage & Real Estate, Inc. is a full service Mortgage & Real Estate Brokerage located in Salinas, California in beautiful Monterey County. We provide Mortgage & Real Estate Broker services for residential properties, Commercial properties, Commercial loans, Construction loans, Construction to Permanent loans, Residential Lot loan

  • Karma Mortgage Solutions, Inc.
  • 830 Bay Avenue, Suite A, Capitola, CA, 95010
  • Lends in California
  • "At Karma Mortgage Solutions, Inc. Our company provides a wide variety of loans.
    From the most popular ones like FHA, VA, Conventional, USDA, to commercial loans, bridge loans, construction loans, Manufacture homes, and more. FHA, VA, Conventional, USDA, to commerc
    Equal Housing Lender (Brokerage)."

  • Tedrowe Realty & Investments
  • 125 Jewell Street, Santa Cruz, CA, 95060
  • Lends in California
  • "Lea Tedrowe started working in real estate investments in 1983 before founding Tedrowe Realty & Investments in 1988.
    Lea was born and raised in Santa Cruz and has an extensive knowledge of the real estate market on the Central Coast. Contact us today for more information about private money loans, construction loans, bridge loans."

  • 1st INTEGRITY MORTGAGE
  • 16275 Monterey Road, Suite K, Morgan Hill, CA, 95037
  • Lends in California
  • Integrity. We believe it all begins here. If we are people of integrity, in a business that is not always known for it’s “honesty” we will be set apart from our competition. We strive hard to adhere to all government regulations. But that’s only the start. We also communicate clearly with you the client on your options, benefits.