1229 Construction Loan Lenders with AI in Home-Gardens, California 2025

Discover the Lendersa® directory of construction loan providers in Home-Gardens, CA, featuring regional banks, national lenders, and local hard money lenders who specialize in using private funds for new builds or significant renovations.

In Home-Gardens, CA, lenders estimate the construction costs for a 2,000 square foot home starting at $319,369 for basic projects and up to $577,667 for more luxurious builds. Interest rates and loan terms are determined by factors such as the borrower's financial profile, the LTV, ARV, and each lender's specific criteria.

Compare offers from 100 lenders

Advanced construction loan calculator

To meet your construction financing needs, Lendersa®'s AI technology efficiently matches your loan request with hundreds of construction lenders. Discover optimal construction rates to fund new builds, fix-and-flip projects, or significant rehab efforts across both residential and commercial properties in CA.

Lenders for construction near you

To maintain a good credit score, avoiding unnecessary inquiries is essential. You can preapprove for land loans without needing to disclose your social security number or sensitive financial details.

If additional property is pledged as collateral (a blanket loan), you might qualify for 100% LTV financing.

Utilize the Lendersa® land loan calculator to find vacant land loan providers in zip codes 92503, 92879.



  • NorCal Mortgage
  • 1127 13TH ST, Suite A, Modesto, CA, 95354
  • This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment.
  • Cascade Financial Services
  • 2701 E Insight Way, Suite 150, Chandler, AZ, 85286
  • Cascade Financial Services Since opening our doors in 1999, Cascade Financial Services has grown to become one of the most trusted lenders in Affordable Housing. Our goal is to help thousands of families realize the dream of home ownership by offering mortgage loan solutions customized to the manufactured housing.
  • Next-Financing
  • 1389 S. Los Altos Dr., Chandler, AZ, 85286
  • Next-Financing is based in Scottsdale, Arizona and has a satellite office in Silicon Valley, California. We are a Nationwide lender offering a wide array of financing options for investors, including fix & flip loans, rental loans, vacation rental loans and cash-out refinance loans. Fast pre-approvals via term sheet without pulling your credit.
  • 1st INTEGRITY MORTGAGE
  • 16275 Monterey Road, Suite K, Morgan Hill, CA, 95037
  • 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.
  • Global Mortgage
  • 17485 Monterey Road, Suite 202, Morgan Hill, CA, 95037
  • At Global Mortgage we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
  • Echo Home Loans LLC
  • 1910 South Stapley Drive, Suite 221, Mesa, AZ, 85204
  • Echo Home Loans is a wholesale mortgage broker working with some of the best lenders in the Nation. This gives our mortgage experts the flexibility to find the best suited loan product for each individual clients needs.Echo Home Loans is currently licensed to broker in five states We are actively writing Conforming, FHA, VA, USDA and more.
  • S/L Mortgage
  • 509 Scenic Dr, Modesto, CA, 95350
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • Scenic Oaks Funding
  • 1156 Scenic Drive, Suite 200 and 110, Modesto, CA, 95350
  • Scenic Oaks Funding was founded in 1992 in order to provide members of our community with a simpler way to buy a home. Our company continued to evolve and in 2010, we made the transformation from mortgage broker to mortgage banker for the same reason: to make home buying easier, more efficient, and more accessible.
  • California Mortgage Associates
  • 1217 Standiford Ave., Modesto, CA, 95350
  • We are the leading home loan lender in the Central Valley since 1987. We’ve worked hard to build a strong reputation as an out-standing mortgage firm serving our clients needs. You're on your way to finding the best loan at the lowest rate to finance your new home or refinance your existing mortgage.
  • IMS Lending
  • 3421 Tully Rd Ste A, Modesto, CA, 95350
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.