Gilroy, California Construction loan lenders AI selection 2025

The Lendersa® directory of construction loan providers in Gilroy, CA comprises a range of financial institutions, including regional banks, national giants, and local hard money lenders, all leveraging private funds for projects like your ground-up constructions and extensive rehabs. Whether you're dealing with expansive renovations or starting anew, these lenders cater to varied financial needs.

Costs for constructing a 2,000 square-foot residence in Gilroy, CA can be estimated to begin at $323,648 for basic work, escalating to $581,946 for more elaborate designs. The interest rates and terms of construction loans are subject to fluctuate based on factors such as borrower financial profiles, Loan-to-Value (LTV), After Repair Value (ARV), and the specific lender one opts to work with. It's important to consider the lender type as it can significantly influence terms.

Browse and compare offers from a pool of 100 varied lenders

The Innovative Construction Loan Calculator

With Lendersa®'s cutting-edge AI technology, your construction financing needs are fully addressed. It swiftly aligns your loan inquiries with a vast network of hundreds of construction lenders. This advanced system simplifies your search, making it easier to identify leading construction rates that are optimal for funding projects such as new constructions, fixer-upper investments, or large-scale renovations on both residential and commercial properties throughout CA. The technology offers remarkable precision in matching rates and lenders with your project's specific needs and scopes.

Looking for Construction Loan Lenders Close to Home?

Reduce potential impacts on your credit score by avoiding unnecessary inquiries. Seamlessly obtain preapproval for a land loan without the necessity of providing your social security number or other sensitive financial details.

There is a pathway for qualifying for full 100% Loan to Value (LTV) financing as well. This is achievable if you choose to pledge additional properties as collateral, under what's known as a blanket loan.

Discover vacant land loan lenders efficiently utilizing Lendersa®'s land loan calculator, specifically designed to target search within zip codes 95020 for a more localized loan sourcing.



  • Lantzman Lending
  • 11696 Sorrento Valley Rd, Suite 201, San Diego, CA, 92121
  • We are a direct hard money lender providing same day loan commitments and fundings within your closing timelines (within a few days if necessary) We do not issue loan commitments only to have to raise money for the funding of a particular loan. We are a Direct Lender with the capital readily available.
  • Newbegin Funding
  • 5538 La Jolla Boulevard, Suite A, La Jolla, CA, 92037
  • Noah Newbegin has been helping people to finance their dreams since 2004 and is still passionate about helping to make those dreams a reality. Noah graduated with a Degree in Finance from SDSU in 2002 and has over 15 years experience in real estate, finance, and mortgage consultation.
  • Pacific Home Brokers Inc.
  • 4275 Executive Square, Suite 200, La Jolla, CA, 92037
  • Pacific Home Brokers™ is one of the premier real estate agencies in California. We specialize in working with first time home buyers and investors. We also have a background in residential financing and use this knowledge to help our clients understand the financing aspect of purchasing a home.
  • Elite Commercial, Inc
  • 4225 Executive Square, Suite 600-C34, La Jolla, CA, 92037
  • Elite Commercial, Inc. is a New Age commercial real estate (CRE) company bridging the gap between traditional brokerage services and innovative technologies. We offer Brokerage Services, CRE and Business Financing, Fintech, Private Lending, and Portfolio Asset Management. Our company embraces change in an evolving commercial real estate
  • Inner Core Capital
  • 4275 Executive Square, Suite 200, La Jolla, CA, 92037
  • We are a direct private money lender throughout California for residential and commercial property loans. We can close your loan within a week of receiving a complete loan application. Get a quote right away by filling out the loan application or contacting us by phone. Our full time professional team of seasoned escrow.
  • First West Financial
  • 78370 Highway 111, Suite 255, La Quinta, CA, 92253
  • "First West Financial is a local, family-owned and operated mortgage company with service second to none. We are proud to be a family-owned, locally operated mortgage broker in La Quinta, CA. We serve the needs of the Homebuyers, Homeowners, and Real Estate Agents all across Southern California.broker in La Quinta, CA."
  • DFI Funding
  • 78-365 Highway 111 #529, La Quinta, CA, 92253
  • DFI Capital Management, Inc. is a private money lender providing financing solutions in California. DFI Capital Management’s leaders have over 50 years of experience in arranging and funding residential, construction and commercial mortgage loans. DFI is a private loan servicer and asset manager. Please feel free to contact us with any questions.
  • Axos Bank
  • 4350 La Jolla Village Dr, San Diego, CA, 92122
  • Axos Financial, Inc is the holding company for Axos Bank, a nationwide bank that provides consumer and business banking products through its low-cost distribution channels and affinity partners. With over $14 billion in assets, Axos Bank provides financing for single and multifamily residential properties, small-to-medium size businesses in target.
  • JMAC Funding - The Hard Money Pros
  • PO Box 91472, San Diego, CA, 92169
  • Private Hard Money Loans provide fast, equity based hard money funding for loans on residential property as well as commercial loans and land loans, regardless of credit score. For private loans, hard money loans, and bridge loans in California please call us or apply online with our 2 minute quick online application.
  • Click Mortgage, a Division of Golden Bear Capital, Inc
  • 10650 Scripps Ranch Blvd, Suite 230, San Diego, CA, 92131
  • At Click Mortgage, a Division of Golden Bear Capital, Inc, a Division of Golden Bear Capital, Inc, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process.
  • Click Mortgage
  • 10650 Scripps Ranch Blvd #230, San Diego, CA, 92131
  • Click Mortgage work tirelessly to ensure their clients are well informed, on schedule, and satisfied with their mortgage decisions. By building a knowledgeable and driven team, leveraging cutting-edge tech, and creating valuable partnerships. Click Mortgage is designed to be the best choice in mortgage banking
  • Louie Loans
  • 3285 OCEAN FRONT WALK STE 7, San Diego, CA, 92109
  • Louie Loans, Inc. is a private money lender in Southern California. Unlike banks, we are not restricted to stringent underwriting guidelines and approval requirements. qualified developers and borrowers with quick acquisition financing for non-owner occupied property and also private investors with real estate secured investment.