Montecito, California Construction loan lenders AI selection 2026

Lendersa® offers a directory of construction loan providers in Montecito, CA, including regional banks, national lenders, and local hard money lenders offering private financing for ground-up construction or major rehabs.

In Montecito, CA, construction costs on a 2,000 square foot home are calculated to range between $318,511 for basic construction and $576,809 for more elaborate designs. Interest rates and loan terms vary based on the borrower's finances, LTV, ARV, and lender choice.

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Lendersa® utilizes AI technology to match your financing needs with numerous construction lenders. Find the best construction rates for new builds, fix-and-flip, or rehabs in CA.

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To prevent credit score impact, avoid unnecessary inquiries. Gain preapproval for land loans without sharing your social security number or sensitive information.

Qualify for 100% LTV financing by pledging additional property for security in a blanket loan.

Utilize the Lendersa® land loan calculator to find lenders offering vacant land loans in zip codes 93108, 93150.



  • California Private Lenders
  • 23945 Calabasas Road Suite 209, Calabasas, CA, 91302
  • California Private Lenders is an equity-based lender for all types of properties. We work with Investors, Rehabbers, Corporations, Estates, and Sub Prime Borrowers and Our excellent reputation as a Hard Money/Private Money Lender has been built on our ability to provide fast financing solutions for borrowers
  • Metro Valley Mortgage and Realty
  • 20555 Devonshire Street, Suite 381, Chatsworth, CA, 91311
  • Our mission at Metro Valley Mortgage & Realty is to bring together consumers and agents alike in the Real Estate and Mortgage Markets. We truly do believe in treating agents and consumers like family. We also look to raise the bar in professionalism, ethics and a strong statewide network of agents and clients.
  • BDM Mortgage Services
  • 21601 Devonshire Street, #219, Chatsworth, CA, 91313
  • At BDM Mortgage Services our church loans are based primarily on the equity in the church’s real estate. Naturally other items are considered, such as income, but the primary factor is the equity. Normally if there is sufficient equity in the church’s real estate we can arrange the church loan.
  • ATC Managers, LLC
  • 900 Old River Rd, Bakersfield, CA, 93311
  • ATC Managers, LLC is a nation-wide direct private lender based in Bakersfield, CA. We specialize in time-sensitive and value-added deals underserved by banks and other traditional capital sources, as well as provide opportunity and rescue capital. Whether you need to close fast, have a distressed asset, or need a non-recourse loan, ATC Managers
  • Valley Strong Credit Union
  • 11500 Bolthouse Drive, Bakersfield, CA, 93311
  • In 1938, a small group of dedicated and concerned teachers met for the purpose of forming a financial cooperative for school employees and their families. From these very humble beginnings, Valley Strong Credit Union was founded and formed. Our mission is to turn people’s financial possibilities into financial realities.
  • San Joaquin Valley Mortgage
  • 8501 Camino Media, Suite 400, Bakersfield, CA, 93311
  • We're a local company providing mortgage loan products fit to your individual needs. We have a variety of different loans available, and have something for everyone! We can complete your FHA, conventional, VA, or private money loan transaction quickly, and we make the process easy!
  • Level One Financial
  • 1620 Mill Rock Way, Suite 100, Bakersfield, CA, 93311
  • We are a mortgage broker located in Bakersfield, CA. As a mortgage broker, we work with many different lenders which allows us to give you the most competitive rates & many different loan programs to tailor your specific needs.Our Integrity radiates through maintaining high standards, sticking to our word & providing a culture of honesty & hard wor
  • Karpe Real Estate Center
  • 8501 Camino Media, Suite 400, Bakersfield, CA, 93311
  • Karpe Real Estate Center has been providing private money (hard money) and conventional mortgage loans as well as residential and commercial real estate for over 85 years. We offer a variety of services to assist you with all your real estate needs throughout California, our primary focus is in the Bakersfield, Kern County and Central Valley areas.
  • Covenant Loan Funding Corporation
  • 6303 Owensmouth Avenue, 10th Floor, Woodland Hills, CA, 91367
  • Covenant Loan Funding Corporation 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.
  • Pacific First Equity Services
  • 21031 Warner Center Ln, Suite B, Woodland Hills, CA, 91367
  • Pacific First Equity Services offers a line of Private Money Lending, Construction, Residential, Commercial and Equity Capital. In Residential Services, our company offers a full line of products including FHA, VA, Conventional, FNMA, FHLMC, USDA as well as Construction, and Private Money Loans.
  • LendMe
  • 23149 Califa St, Woodland Hills, CA, 91367
  • "At LendMe, we’re committed to providing unique lending solutions to real estate investors for business purpose loans. ​ If you’re a real estate investor, our team at LendMe can help you reach your goals and meet your deadlines. Feel free to reach out to us today and see how we are able help!"
  • Peak Finance Company
  • 5900 Canoga Avenue Suite 200, Woodland Hills, CA, 91367
  • At Peak Finance Company, Residential we serve realtors, CPAs, business and financial planners as well as homeowners and new home buyers with the goal of making the process of obtaining a mortgage as easy, convenient and affordable as possible. With expert staff, advanced capital market knowledge and highly-competitive mortgage loan programs etc..