1231 Construction Loan Lenders with AI in Carmichael, California 2026

Lendersa® provides a list of construction loan lenders in Carmichael, CA, featuring regional banks, national lenders, and local hard money lenders that leverage private capital for projects including new builds or major remodels.

In Carmichael, CA, the estimated construction costs for a 2,000 square foot home can range from $322,680 for basic work to $580,978 for more lavish projects. Interest rates and construction loan terms vary based on the borrowers' financial details, loan-to-value ratios (LTV), after-repair value (ARV), and the type of lender chosen.

See loan offers from 100 lenders

The ultimate construction loan calculator

With Lendersa®'s AI technology, your construction financing needs will be met as your loan request is quickly matched with options from hundreds of construction lenders. Identify top construction rates for funding any ground-up projects, fix-and-flip, or major rehabs on both residential and commercial properties within CA.

Searching for construction loan lenders in your area?

Keeping inquiries to a minimum helps maintain your credit score. Secure preapproval for land loans without needing to disclose your social security number or other sensitive financial information.

Qualify for 100% LTV (Loan-to-Value) financing by pledging additional properties as collateral, known as a blanket loan.

Use the Lendersa® land loan calculator to find lenders who offer vacant land loans within the zip codes 95841, 95628, 95608, 95609.



  • FM Home Loans
  • 1229 Madison Avenue, 1st Floor, Lakewood, NJ, 08701
  • Lends in California
  • Since its inception in 1991, FM Home Loans, LLC has been helping homeowners from all backgrounds purchase their dream home. With more than one billion in closed purchased transactions in 2015 alone, our company of over 175 employees are dedicated to the highest standards of ethics, responsiveness and customer service.

  • Riverside Park Capital - Commercial Mortgages
  • 10 Times Square, New York, NY, 10018
  • Lends in California
  • We launched in 2015 with a single goal in mind, be different. Yes, we provide good terms, and yes our options are flexible and unique, but what truly sets us apart is our team.

    Every director, associate and underwriter has a minimum of ten years professional commercial banking experience none of our competitors can say the same.

  • We Lend, LLC
  • 54 W 40th Street, New York, NY, 10018
  • Lends in California
  • We Lend is a nationwide Private lender focused on providing quick and low-cost capital for investment properties. We Lend’s approach to lending is centered around the investor, allowing the investor to focus more on their investment and less on the loan process. The We Lend team is here to assist in the expansion of your real estate portfolio!

  • Amalgamated Mortgage Corporation
  • 275 7th Ave, New York, NY, 10001
  • Lends in California
  • For nearly a century, Amalgamated Bank has been America’s Socially Responsible bank supporting thousands of people, organizations, causes and businesses. We work to make the world more equitable and sustainable for all by helping those who do good do better. Nonprofits, labor unions, advocacy groups, socially responsible businesses.

  • Sky Equity, LLC.
  • 43 West 33rd Street, Suite 504, New York, NY, 10001
  • Lends in California
  • Sky Equity, LLC is a hard money lending and real estate investment company, providing creative funding solutions for Borrowers, while consistently delivering healthy returns for Investors. Efficient loan processing, conservative underwriting and in-depth knowledge of market conditions are all hallmarks of Sky Equity

  • Capital Chat
  • 30 Wall Street, New York, NY, 10005
  • Lends in California
  • Capital Chat revolutionizes real estate financing through its Ultimate Lending Advantage program, offering seamless closings in just 7 days without onsite appraisals on qualified properties. Our tailored financing solutions are crafted, ensuring experienced investors benefit from just a 5% down payment, with 100% rehab funding. Connect with Capital

  • Venture Estate Group
  • 401 West 48th Suite 2W, New York, NY, 10036
  • Lends in California
  • Where traditional lenders decline, we provide solutions.

    We offer specialized programs for real estate investors, including:
    No minimum FICO requirements
    Ground-up construction financing with no prior experience needed
    No-ratio loans (no income or DSCR)
    Financing for rural and non-conventional properties
    Up to 95% purchase and 100% rehab fu

  • Atlas Commercial Capital Inc
  • 45 Rockefeller Plaza, 20th Floor, New York, NY, 10111
  • Lends in California
  • In 1995, what is now Atlas Commercial Capital started in New York as a mortgage and sales brokerage company specializing in investment properties. Since then, the Atlas team has been instrumental in closing transactions throughout the nation for hundreds of investors and developers.

  • StackSource
  • 43 W 23rd St, New York, NY, 10010
  • Lends in California
  • StackSource is a tech-enabled commercial real estate loan platform. We connect investors who are developing or acquiring commercial properties with financing options like banks, insurance companies, and private lenders through an easy, transparent process. We’re taking the best of commercial mortgage brokerage and updating it for the 21st century.

  • MoFin Lending
  • 79 Madison Avenue, 9th Floor, New York, NY, 10016
  • Lends in California
  • MoFin Lending is an online direct lender for real estate investors. We offer short term loans for fix & flips, rehab to hold projects, quick-close acquisitions/refinances, multifamily properties (5+ units), and commercial. We also offer 30 year loans for the acquisition or refinance of a rental property or rental portfolio.

  • Brooklyn Funding Group Ltd.
  • 33 35th St A404, Brooklyn, NY, 11232
  • Lends in California
  • Brooklyn Funding Group makes short-term lending simple and stress-free. Our experienced team ensures a smooth process, turning your real estate goals into reality. We offer fast financing for 1-4 unit properties with up to 90% LTC, up to 75% ARV, and rates starting at just 7.7%. Whether it’s a fix-and-flip or an investment opportunity, we’re here t