193 Construction Loan Lenders with AI in Irvine, California 2026

The Lendersa® directory of construction loan lenders available in Irvine, CA, features everything from regional banks and national financial institutions to local private hard money lenders specializing in ground-up constructions or significant rehabs using private funds.

Builders in Irvine, CA can expect construction costs for a 2,000 square foot home to range from $324,088 for basic structures to $582,386 for more elaborate designs. Interest rates and terms of the loans fluctuate, influenced by the borrower's financial standing, LTV, ARV, and the type of financier chosen.

Check out loan options from 100 different lenders

Discover the magic of the construction loan calculator

With Lendersa®'s AI technology, you can confidently match your loan query with a vast network of construction lenders, ensuring all your financing needs are met. Explore the optimal construction rates for residential and commercial properties, be it ground-up construction, fix-and-flips, or major rehabs in CA.

Finding construction loan lenders nearby?

Keep your credit score intact by avoiding unnecessary inquiries. Obtain preapproval for your land loan without the hassle of revealing your social security number or other sensitive financial data.

You might be eligible for 100% LTV (Loan-to-Value) financing by securing additional property as collateral through a blanket loan.

Utilize the Lendersa® land loan calculator to identify vacant land loan lenders within the zip codes 92617.



  • Ability Mortgage
  • 580 N. Wilma Ave, Suite D, Ripon, CA, 95366
  • Lends in California
  • We’re a full service mortgage lender 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 loan-with great rates, terms and costs-to meet your unique needs.

  • Tri-Point Capital
  • 6424 E Greenway Pkwy #200-442, Scottsdale, AZ, 85254
  • Lends in California
  • Tri-Point Capital is a boutique lender offering Hard Money to experienced Investors for Residential Real Estate Acquisition, as well as Fix/Flip projects. Approval is based solely on the Real Estate and the experience of the Investor. First Deeds only. 6-12 Mos preferred - longer possible. Typical funding within 10 days. Draws disbursed within 24 h

  • Tri-Point Capital
  • 6424 E. Greenway Pkwy 100-442, Scottsdale, AZ, 85254
  • Lends in California
  • Tri-Point Capital specializes in financing for real estate investors that want to leverage their capital through Private Money financing. From Fix & Flip loans to commercial and new construction deals, contact us for our easy approval process. We are a broker and a direct lender putting private party capital investors together with real estate inve

  • Orchard Funding
  • 11333 N Scottsdale Rd, Suite 293, Scottsdale, CA, 85254
  • Lends in California
  • Orchard Funding is a private lender providing fix & flip, bridge financing and ground up construction loans for the professional real estate investor. Loans are underwritten and funded in-house thus enabling swift decisions, flexible lending solutions and quick closings. Orchard Funding originates approximately $60,000,000 in loans annually.

  • American Pacific Mortgage
  • 3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
  • Lends in California
  • Established in 1996, American Pacific Mortgage, is known for its customer service and quality loan estate programs. We are an independently owned mortgage banking firm and our teams consist of highly qualified loan consultants and processing staff. If you are wondering where to start, the best place is a phone call.

  • Cedar Mortgage
  • 3190 S. Bascom Avenue, Suite #110, San Jose, CA, 95124
  • Lends in California
  • Cedar Mortgage, established in 1981, is an independently owned mortgage brokerage firm, renowned for customer service and quality real estate programs. Our office family consists of qualified loan consultants and processing staff, and our lending portfolio represents one of the most comprehensive program collections in the United States.

  • 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."

  • SnapFi
  • 1155 Meridian Avenue, San Jose, CA, 95125
  • Lends in California
  • SnapFi is innovating the mortgage lending experience. Working at the intersection of leading edge technology and dedicated, expert advisory services, we customize and deliver the best financial solutions for our clients, today, tomorrow, and into the future. We’re fast. We’re agile. We make our own decisions.

  • Excel Trust Deed Investments
  • 1314 Lincoln Ave, Suite 2A, San Jose, CA, 95125
  • Lends in California
  • "Excel Trust Deed Investments (formerly Excel Financial) has been arranging private lending solutions and helping families and businesses in the San Francisco Bay Area with their alternative financing needs for over 30 years.
    Our loan experts constantly evaluate the best ways to help meet your short-term and long-term financial goals."

  • Direct Mortgage Funding
  • 236 N. Santa Cruz Ave, Suite 103, Los Gatos, CA, 95030
  • Lends in California
  • Direct Mortgage Funding know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.Today's technology is providing a more productive environment to work in. For example, through our website.

  • Cardan Mortgage
  • 125 East Campbell Ave, Campbell, CA, 95008
  • Lends in California
  • At Cardan Mortgage 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, so that you can confidently select the best mortgage for you and your family.