2025 Construction Loans use AI Lenders complete for Gilroy, California

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.



  • Safebay, Inc.
  • 4546 El Camino Real, Los Altos, CA, 94022
  • Safebay, Inc 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, terms and costs.
  • Milestone Financial
  • 4970 El Camino Real, Suite 230, Los Altos, CA, 94022
  • Milestone Financial LLC is a wholesale California Finance Company, offering competitive 1st and 2nd trust deed loan programs for most types of real estate, including single family, condominiums, apartments, multi-family, and More importantly can get your loan funded within seven to 10 days and can usually quote within 24 hour.
  • Axel Real Estate and Home Loans Inc.
  • 2265 Ocaso Camino, Fremont, CA, 94539
  • Axel Real Estate and Home loans is a family based business run by husband and wife team. Our Profit margins are so slim that no other Agents can afford to beat. My husband Rizwan (Rizzi) Elahi has 30 years of mortgage processing and underwriting experience. He structures the hardest loan files for successful and on time close of escrow .
  • Horizon Financial Associates
  • 39680 Mission Boulevard, Fremont, CA, 94539
  • Horizon Financial Associates has been dedicated to treating our clients like family – with the utmost attention to detail and customer satisfaction. We are pleased to be your comprehensive source for all of your home financing needs – from a first home, to investment property, construction loans, cash out refinances and reverse mortgages.
  • Salimi Investments
  • 44836 South Grimmer Boulevard, Fremont, CA, 94538
  • Salimi Investments, we personalize services based on your needs. Whether you are a first-time home buyer beginning your journey of homeownership, a first-time home seller, or a savvy investor who would like to sell your investment property and diversify your return into multiple real estate channels using we can draw a map towards your success
  • First Rate Mortgage
  • 3100 Mowry Ave Ste 401, Fremont, CA, 94538
  • First Rate Mortgage can assist you with your real estate financing needs. We understand the difficulties with today's financial complexities. First Rate Mortgage has access to numerous lenders, who are looking for borrowers like you. Call us today and allow us to help you meet your financial needs.
  • Providential Mortgage
  • 42808 Christy St, Ste 226, Fremont, CA, 94538
  • Providential Mortgage strives to ensure that its services are accessible to people with disabilities. Providential Mortgage has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities with the strong belief that every person has the right to live with dignity
  • The Money Market, Inc.
  • 39899 Balentine Drive, Newark, CA, 94560
  • We Are The Amazon for Mortgage Solutions, your One-Stop Shop for real estate loans. We fund both residential and commercial. We can fund your fix and flips up to 100% of the acquisition and 100% of the rehab. We Fund QM (Agency) ranging from FHA, VA, USDA, Conforming, Conventional, and Jumbo Loans. We also fund non-QM loans for self-employed and
  • HCS equity
  • 7412 cypress lane, Carmel, CA, 93923
  • 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
  • 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.
  • Reliable Real Estate
  • 38930 Blacow Road, Suite E1, Fremont, CA, 94536
  • As housing costs soar, California is encouraging home owners to add small independent units in their backyard for rent . We put prefabricated homes on a permanent foundation. This cuts cost by 40%, cuts construction time by half and since homes are built indoors by experienced craftsmen and machines, the quality and finishing is much better.
  • Oportun
  • PO Box 4085, Menlo Park, CA, 94026
  • Since we opened our doors in 2005, we have worked hard every day to serve the approximately 100 million people in the USA who are typically shut out of the financial mainstream because they don’t have a credit score or have limited credit history.Our mission-based, technology-powered approach is designed to be inclusive, affordable & empowering.