1268 Construction Loan Lenders with AI in Montecito, California 2025

Lendersa® list of construction loan lenders in Montecito, CA include regional banks, national lenders, and local hard money lenders utilizing private money for your ground-up construction or major rehab.

Lenders calculate to construction cost in Montecito, CA of 2,000 Sf home at $318,511 for basic construction to $576,809 for fancier contraction. Interest rate and the construction loan terms are varied depending on the borrowers' financials, the LTV, ARV, and type of lender selected.

Compare loan offers from 100 lenders

The magic construction loan calculator

To ensure all of your construction financing needs are being met, Lendersa® AI technology will instantly match your loan request with hundreds of construction lenders. You can now discover the best construction rates to fund ground-up construction fix N flip or major rehab on residential and commercial properties in California.

Construction loan lenders near you?

Avoiding unnecessary inquiries will reduce your credit score. Get preapproved for your land loan without the need to see your social security number or any sensitive financial information.

You may qualify to get 100% LTV (Loan to value) financing when you agree to pledge additional property as security (blanket loan).

Use Lendersa® land loan calculator to find vacant land loan lenders in zip codes 93108, 93150.



  • K Hovnanian American Mortgage
  • 90 Matawan Rd, Matawan, NJ, 07747
  • 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..
  • Nationwide Equities Corporation
  • 1 International Blvd, Suite 1202, Mahwah, NJ, 07495
  • 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.
  • Ary Ming Asset Funding
  • 24 Commerce St. Suite 606, Newark, NJ, 07102
  • 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
  • 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
  • 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
  • FM Home Loans
  • 1229 Madison Avenue, 1st Floor, Lakewood, NJ, 08701
  • 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.
  • Tristar Mortgage
  • 711 Forest Ave, Staten Island, NY, 10310
  • 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
  • FountainFunding
  • 13 Neil rd, Spring Valley, NY, 10977
  • 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
  • RCA Capital
  • 550 Kinderkamack Rd, Suite1, Oradell, NJ, 07649
  • RCA Capital is a direct, private lender, and Capital Advisory Company. Our team uses a common-sense approach to lending to provide 24-hour approval turn times. Our in-house underwriting allows us to expeditiously bring you to the closing table. Our asset-based mortgage programs are specifically designed for independent real estate investors and se
  • STEM Lending, Inc.
  • 101 Hudson Street, Suite 2100, Jersey City, NJ, 07302
  • Stem Lending is an online mortgage marketplace, helping home buyers shop wholesale lenders, as they finance their dream homes. Our customers create a login and with 4 simple steps, apply for a mortgage. Our technology fetches credit reports, verifies income, assets, employment and present mortgage application to top competing mortgage.
  • Northstar Funding Inc
  • 79 Hudson Street, Suite 301A, Hoboken, NJ, 07030
  • When we started NorthStar Funding, there were many other companies out there. We didn’t want to be just another company, so the question was, “How to make NorthStar Funding better than the others.” The answer was to be customer driven and to provide exceptional customer service. We understand what a stressful time this can be.
  • Commercial Mortgage Associates Inc.
  • 626 Princeton Ave, Brick, NJ, 08724
  • Commercial Mortgage Associates Inc. was founded by Gary Ambrosi in 1989 as a commercial mortgage brokerage company helping business owners and investors finance small to mid-size commercial real estate. Since, Commercial Mortgage Associates has become highly respected in the commercial lending industry that investors can rely on, and yet.