166 Construction Loan Lenders with AI in Ladera-Ranch, California 2026

The Lendersa® directory of construction loan lenders in Ladera-Ranch, CA includes regional banks, national lenders, and local hard money lenders, all utilizing private money for ground-up constructions or major rehabs.

In Ladera-Ranch, CA, lenders calculate the cost for a 2,000 square foot home, ranging from $321,096 for basic builds to $579,394 for more detailed projects. Interest rates and terms vary based on the borrower's financial situation, the LTV, ARV, and selected lender type.

Explore offers from 100 lenders

The magic construction loan calculator

To fully address your construction financing needs, Lendersa® uses AI technology to instantly pair your loan request with numerous construction lenders. Discover optimal construction rates for funding ground-up projects, fix-and-flip operations, or major rehabs in residential and commercial properties across CA.

Finding construction loan lenders nearby?

To maintain your credit score, avoid unnecessary inquiries. You can get preapproved for your land loan without submitting your social security number or any sensitive financial data.

If you're willing to pledge additional properties as collateral (blanket loan), you might qualify for 100% LTV financing.

Utilize the Lendersa® land loan calculator to identify vacant land loan lenders in the zip codes 92694.



Ladera-Ranch Construction Loan Lenders

  • Pivotal Capital Group
  • 111 Corporate Drive, #270, Ladera Ranch, CA, 92694
  • Lends in California
  • "Pivotal Capital Group is a direct lender providing financing for non-owner occupied residential properties throughout California.
    We lend on fix and flips, ground up construction, bridge/acquisition, and small value-add multifamily property repositions. Pivotal is well-capitalized with institutional private equity, and offers stability, "

  • Home Financing Inc.
  • 26111 Marguerite Pkwy #A, Mission Viejo, CA, 92692
  • Lends in California
  • Home Financing Inc. is a direct lender that boasts a record 8 calendar day close on a purchase with most loans ready to close in 17 days. Both clients and business partners rave about Home Financing's expertise, customer service and mastery of its trade. Home Financing Inc. does one thing better than anyone else and it's all in the name!!

  • JTM Financial
  • 26161 Marguerite Pkwy, Ste E, Mission Viejo, CA, 92692
  • Lends in California
  • JTM Financial Corporation strives to ensure that its services are accessible to people with disabilities. JTM Financial Corporation 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

  • Homex Financial
  • 23120 Alicia Pkwy, Mission Viejo, CA, 92692
  • Lends in California
  • Homex Financial, where we specialize in residential mortgages. At Homex Financial, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.

  • Jackie Barikhan - Spectrum One Mortgage
  • 23052H Alicia Pkwy, Ste 158, Mission Viejo, CA, 92692
  • Lends in California
  • Jackie is a mortgage professional cited in ABC, FOX, NBC & CBS for her work helping clients get low rate mortgages when purchasing a home or refinancing. California First Time Home Buyers get pre-approved today! We love serving our military past and present with the best VA Home Loans in California.

  • 1st Veteran Mortgage Inc
  • 26626 Portales Lane, Mission Viejo, CA, 92691
  • Lends in California
  • 1st Veteran Mortgage Inc is the right choice for your full-service real estate financing needs. Our services range from residential, commercial mortgage, realty services and financial consulting. We pride ourselves on truly encompassing what it means to be a full-service mortgage brokerage.

  • Virtue Loan Center
  • 25909 Pala Suite 100, Mission Viejo, CA, 92691
  • Lends in California
  • Virtue Loan Center Inc. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.

  • Rescom Financial Services
  • 26691 Plaza #225, Mission Viejo, CA, 92691
  • Lends in California
  • We are a Direct Lender who specialize in new home purchase and refinance loans.Our other services include Reverse Mortgages, CAL FHA and subprime lending. Rescomfs.com is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity.

  • Mortgage Loan Centers
  • 26041 Acero, Mission Viejo, CA, 92691
  • Lends in California
  • Mortgage Loan Centers is the low cost leader in mortgage lending. We specialize in purchase and refinance transactions for one to four unit residential and condominium properties. We handle owner, second and investment property transactions. Call for a quote and see for yourself.

  • Sunset Mortgage
  • 26381 Crown Valley Parkway #200, Mission Viejo, CA, 92691
  • Lends in California
  • Sunset Mortgage brings together the experience of some of the top mortgage,
    management and supervisory talent available. Darin Moore, with over 25 years in mortgage funding and underwriting, corporate planning, loan servicing and accounting, leads the Sunset Mortgage team.Sunset Mortgage has been funding private money real estate loans since 1991.