1239 Construction Loan Lenders with AI in Rancho-San-Diego, California 2026

Lendersa® provides a list of construction loan sources in Rancho-San-Diego, CA, including regional banks, national lenders, and local hard money lenders. They use private funds for ground-up construction or major rehabs.

In Rancho-San-Diego, CA, the cost for constructing a 2,000 square foot home is estimated from $320,557 for basic models up to $578,855 for more intricate builds. Interest rates and terms vary based on borrower financials, LTV, ARV, and lender type.

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Lendersa® AI quickly matches your loan request with many construction lenders, helping you find top construction rates for new builds, fix-and-flip, or major rehabs in CA.

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Avoiding unnecessary inquiries can safeguard your credit score. Get preapproved for land loans without submitting your social security number or sensitive information.

Qualify for 100% LTV financing by using additional property as collateral, known as a blanket loan.

Use the Lendersa® land loan calculator to locate vacant land loan providers in zip codes 92019.



  • Monterey County Bank
  • 601 Munras Avenue, Monterey, CA, 93940
  • Lends in California
  • Monterey County Bank, a wholly-owned subsidiary of Northern California Bancorp, Inc, provides retail and commercial banking products and services to individuals and small and medium-sized businesses in California. The company’s deposit products include personal and business checking accounts, savings accounts, money market investment accounts
  • 1st INTEGRITY MORTGAGE
  • 16275 Monterey Road, Suite K, Morgan Hill, CA, 95037
  • Lends in California
  • Integrity. We believe it all begins here. If we are people of integrity, in a business that is not always known for it’s “honesty” we will be set apart from our competition. We strive hard to adhere to all government regulations. But that’s only the start. We also communicate clearly with you the client on your options, benefits.
  • Global Mortgage
  • 17485 Monterey Road, Suite 202, Morgan Hill, CA, 95037
  • Lends in California
  • At Global Mortgage we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
  • Lending For Living
  • 1020 15th Street, Suite 10, Modesto, CA, 95354
  • Lends in California
  • Lending for Living is locally owned and operated offering extraordinary loan services for individuals seeking to fulfil their dream of home ownership, refinance or create stability. Years of experience and a knack for the challenging has earned us the reputation of being "VA Specialists" and "Mountain Property Specialists".
  • NorCal Mortgage
  • 1127 13TH ST, Suite A, Modesto, CA, 95354
  • Lends in California
  • This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment.
  • Karma Mortgage Solutions, Inc.
  • 830 Bay Avenue, Suite A, Capitola, CA, 95010
  • Lends in California
  • "At Karma Mortgage Solutions, Inc. Our company provides a wide variety of loans. From the most popular ones like FHA, VA, Conventional, USDA, to commercial loans, bridge loans, construction loans, Manufacture homes, and more. FHA, VA, Conventional, USDA, to commerc Equal Housing Lender (Brokerage)."
  • S/L Mortgage
  • 509 Scenic Dr, Modesto, CA, 95350
  • Lends in California
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • Scenic Oaks Funding
  • 1156 Scenic Drive, Suite 200 and 110, Modesto, CA, 95350
  • Lends in California
  • Scenic Oaks Funding was founded in 1992 in order to provide members of our community with a simpler way to buy a home. Our company continued to evolve and in 2010, we made the transformation from mortgage broker to mortgage banker for the same reason: to make home buying easier, more efficient, and more accessible.
  • California Mortgage Associates
  • 1217 Standiford Ave., Modesto, CA, 95350
  • Lends in California
  • We are the leading home loan lender in the Central Valley since 1987. We’ve worked hard to build a strong reputation as an out-standing mortgage firm serving our clients needs. You're on your way to finding the best loan at the lowest rate to finance your new home or refinance your existing mortgage.
  • IMS Lending
  • 3421 Tully Rd Ste A, Modesto, CA, 95350
  • Lends in California
  • Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
  • SJMorgan
  • 1110 Tully Road, Suite B, Modesto, CA, 95350
  • Lends in California
  • SJ Morgan Private Lending Exchange is a company that matches borrowers who are seeking funds to purchase or refinance commercial or residential properties with private investors who are looking for solid real estate investment returns. Qualified investments are presented to the investor exchange.
  • 101 Loan - Specialists in Residential, Commercial and Reverse Mortgage Financing
  • 6020 Hellyer Ave, Suite 150, San Jose, CA, 95138
  • Lends in California
  • 101 LOAN, A SAN JOSE MORTGAGE COMPANY With over 30 years of experience in residential and commercial lending, 101 Loan has the experience, product offerings and the staff needed to close financing in today’s fluid economy time in an efficient manner. While many of our competitors have gone out of business due to the changing economy.