1238 Construction Loan Lenders with AI in Los-Osos, California 2026

Lendersa® compiles a list of construction loan lenders in Los-Osos, CA, comprising regional banks, national lenders, and local hard money financiers using private money for your ground-up projects or major rehabs.

In Los-Osos, CA, construction costs for a 2,000 square foot home are projected from $320,018 for basic builds to $578,316 for more elaborate completions. Interest rates and terms vary based on financial conditions, LTV, ARV, and lender choice.

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Explore the construction loan calculator

Lendersa® AI technology ensures all your construction financing needs are covered by matching your loan request with multiple lenders. Discover ideal construction rates for new builds, flips, or extensive renovations on properties across CA.

Looking for construction loan lenders?

Avoid unnecessary credit inquiries to protect your score. Pre-approval for land loans is available without requiring your social security number or financial details.

By pledging additional property as security, you might qualify for 100% LTV financing through a blanket loan arrangement.

Utilize the Lendersa® land loan calculator to locate vacant land loan providers within zip codes 93402, 93412.



  • Stratton Equities
  • 28 Bloomfield Avenue, Ste 302, Pine Brook, NJ, 07058
  • Lends in California
  • Stratton Equities is the leading Nationwide Direct Hard Money & NON-QM Lender that specializes in fast and flexible lending processes. Our team is owned and operated by experienced Real Estate Investors providing a reliable and knowledgeable team to help all Real Estate investors succeed. Learn how you can purchase an Investment Property with Strat
  • First Alliance Home Mortgage
  • 20 Jackson Drive, 2nd Floor, Cranford, NJ, 07016
  • Lends in California
  • First Alliance Home Mortgage, L.L.C. opened in 2004 and has since become one of the premier lenders in New Jersey. A Mortgage Banker/Broker with tremendous resources and a wide array of mortgage products we are committed to providing you with the best rates and mortgage programs available in today's market.
  • Nationwide Equities Corporation
  • 1 International Blvd, Suite 1202, Mahwah, NJ, 07495
  • Lends in California
  • Nationwide Equities is a family-owned, veteran mortgage lender that has been serving communities nationwide for over 20 years. We have established a proven track record as being the best service-oriented direct lender with a full menu of purchase, refinance, and reverse mortgage programs.
  • K Hovnanian American Mortgage
  • 90 Matawan Rd, Matawan, NJ, 07747
  • Lends in California
  • Hovnanian Enterprises, Inc., founded in 1959 by Kevork S. Hovnanian, is headquartered in Red Bank, New Jersey. The Company is one of the nation’s largest homebuilders with operations in Arizona, California, Delaware, Florida, Georgia, Illinois, Maryland, New Jersey, Ohio, Pennsylvania, South Carolina, Texas, Virginia, etc..
  • Ary Ming Asset Funding
  • 24 Commerce St. Suite 606, Newark, NJ, 07102
  • Lends in California
  • AryMing Asset Funding, LLC (AAH) is a boutique, private real estate lending sponsorship firm founded in 2010. We purchase, finance, sell, and assign mortgages & notes. We cater to accredited, high net worth individuals who appreciate transparency and personalized service in the distress asset sector of real estate.
  • Commercial Mortgage Unlimited LLC
  • 22 Tilghman Dr, Glen Rock, NJ, 07452
  • Lends in California
  • Commercial Mortgage Unlimited Offers custom tailored lending programs to fit the needs of each individual borrower and property type. All property typesCommercial Mortgage Unlimited Offers custom tailored lending programs to fit the needs of each individual borrower and property type.
  • AMS Mortgage Services Inc.
  • 375 Chestnut St 3C, Newark, NJ, 07105
  • Lends in California
  • AMS Mortgage Services, Inc. has built a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of real estate professionals, builders and individual homebuyers. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending
  • FountainFunding
  • 13 Neil rd, Spring Valley, NY, 10977
  • Lends in California
  • BH As a Hard Money Loan Lender, I have built a portfolio of 50+ personal private lenders and loan companies, making us a trusted resource in the industry. With almost a decade of experience, our company has successfully facilitated a wide range of loans, catering to various needs and situations. Because we are not bonded to one specific compa
  • Tristar Mortgage
  • 711 Forest Ave, Staten Island, NY, 10310
  • Lends in California
  • Our mortgage professionals give you the personal attention you deserve & treat you with the respect due a valued customer.We understand you’re making a commitment in buying new home,refinancing & mortgage or cashing out your home equity.So we make a commitment to you.We will help you qualify, apply & be approved for the right mortgage loan for you
  • FM Home Loans
  • 1229 Madison Avenue, 1st Floor, Lakewood, NJ, 08701
  • Lends in California
  • Since its inception in 1991, FM Home Loans, LLC has been helping homeowners from all backgrounds purchase their dream home. With more than one billion in closed purchased transactions in 2015 alone, our company of over 175 employees are dedicated to the highest standards of ethics, responsiveness and customer service.
  • Federal National Funding Capital Group LLC
  • 411 Hackensack Avenue Suite 200, Hackensack, NJ, 07601
  • Lends in California
  • **Unlock New Opportunities with FNF Capital Group** **Experience in Financial Solutions** Federal National Funding Capital Group LLC (FNF Capital Group) is your ultimate financial ally, we empower business owners and real estate investors with funding solutions including term loans, lines of credit, equipment financing, fix & flip loans, rent