1231 Construction Loan Lenders with AI in San-Jose, California 2026

The Lendersa® directory of construction loan lenders in San-Jose, CA spans multiple options, including regional banks, major national lenders, and local hard money lenders employing private money. These lenders serve projects centered on ground-up constructions and significant renovations.

In San-Jose, CA, lenders determine the construction cost for a 2,000 square foot home, estimating from $324,297 for basic builds to $582,595 for more luxurious constructions. Interest rates along with construction loan terms vary with borrower financial details, the Loan-to-Value (LTV) ratio, After Repair Value (ARV), and the type of lender chosen.

Explore loan offers from 100 lenders

Discover the power of the construction loan calculator

To meet your construction financing needs, Lendersa® utilizes advanced AI technology to swiftly match your loan requests with numerous lenders. Explore top construction rates for funding ground-up builds, fix-and-flips, or significant rehabs on residential and commercial properties in CA.

Are there construction loan lenders near you?

Limiting unnecessary inquiries can help protect your credit score. Secure preapproval for your land loan without needing to provide your social security number or other sensitive information.

If you pledge additional property as collateral, you might qualify for 100% LTV financing under a blanket loan agreement.

Utilize the Lendersa® land loan calculator to find lenders serving vacant land loan needs in zip codes 95118, 95128, 95124, 95125, 95123, 95008, 95002, 95117, 95116, 95111, 95110, 95113, 95112, 95119, 95126, 95127, 95120, 95121, 95148, 95133, 95132, 95131, 95130, 95136, 95135, 95134, 95139, 95138, 95037, 95013, 95129, 95122, 95101, 95103, 95106, 95109, 95115, 95141, 95150, 95151, 95153, 95154, 95155, 95156, 95157, 95158, 95159, 95160, 95161, 95164, 95172, 95173, 95190, 95191, 95192, 95193, 95194, 95196. This tool is essential for identifying the right financing solution for your land acquisition goals.



  • Kinecta Corporation
  • 1440 Rosecrans Ave, Manhattan Beach, CA, 90266
  • Lends in California
  • Kinecta is banking done different. While the journey to success isn’t always a straight line, having the right financial partner by your side can make all the difference. We’re excited to be the partner who helps you achieve your goals and dreams, and we’re committed to sticking by you, every step of the way.

  • Maloney RE Capital Inc.
  • 952 Manhattan Beach Blvd, Suite 160, Manhattan Beach, CA, 90266
  • Lends in California
  • Maloney RE Capital, Inc. is a boutique mortgage brokerage firm, founded in 2005 by Sean P. Maloney. The firm prides itself on providing clients with exceptional personalized services with a constant eye on each client's unique transaction. With over 20 years of mortgage lending experience.

  • Wilak Financial Corporation
  • 11011 Crenshaw Boulevard, Suite 202, Inglewood, CA, 90303
  • Lends in California
  • Wilak Financial Group is a mortgage and real estate agency in Inglewood, California, with the goal of helping home buyers find practical deals that suit their estate needs. The agency was established in 2005, making our experience, scope, and knowledge of the history and development of the real estate market our edge in the industry

  • American Plus Bank
  • 630 W. Duarte Road, Arcadia, CA, 91007
  • Lends in California
  • Founded in 2007, American Plus Bank, N.A. is an independent, customer oriented community bank headquartered in Arcadia, California, providing financial solutions to the individual and business communities in San Gabriel Valley and surrounding areas in Los Angeles County. Our customer service team consists of experienced.

  • IBIS Financial Corporation
  • 77 West Las Tunas Drive, Suite 204, Arcadia, CA, 91007
  • Lends in California
  • IBIS Financial Corporation has served all residential and commercial clients in California, finding the best business loans, home loans, hard loans, and construction loans available. Our experienced staff is professionally motivated to help you find the right loan to buy their ideal house or business investment assets as soon as possible.

  • Mega Bank
  • 245 West Valley Boulevard, San Gabriel, CA, 91776
  • Lends in California
  • Mega Bank is a Chinese American community bank opening for business in February 2008. Our board of directors is composed of experienced bankers who have had successful careers with community banks in the San Gabriel Valley. Five of our board members are former bank directors and three of them served as bank presidents and chief executive officers.

  • Pacific Alliance Bank
  • 641 W Las Tunas Dr, San Gabriel, CA, 91776
  • Lends in California
  • Founded in 2006 by a group of business entrepreneurs & professionals in Los Angeles & Orange Counties,Pacific Alliance Bank is a California state-chartered bank serving communities in Southern CA.We are a full-service bank focused on building relationships by delivering personal, commercial & lending products & services that best serve our clients.

  • Asian Pacific National Bank
  • 333 West Valley Blvd., San Gabriel, CA, 91776
  • Lends in California
  • Asian Pacific National Bank (APNB) was established in August 1990 to offer personalized banking services to the business community in the San Gabriel Valley and Los Angeles Region. Based in Southern California, APNB has a deep understanding of the needs of the community as well as the financial resources to support its steady continuing growth.

  • Mortgage Lending Resource
  • 2615 Pacific Coast Highway, Suite 208, Hermosa Beach, CA, 90254
  • Lends in California
  • A lending resource that provides mortgage information to homeowners and investors looking to finance or refinance their homes or real property investments.

    We Offer
    Comprehensive review, analysis, and advisory of optimum mortgage loan solutions
    Finance and Refinance principal homes, second and vacation homes, and investment homes

  • AWM Realty Inc.
  • 923 6th Street, Hermosa Beach, CA, 90254
  • Lends in California
  • AWM Realty Inc founder of the Linda Wang-Mizukami has been a Real Estate Broker for over 20 years, and a Mortgage Loan Broker for over 15 years. She owns AWM Realty, Inc. Her company’s portfolio also includes Real Estate Management. She is an excellent negotiator for the purchase and sale of real estate property.

  • Merit Real Estate
  • 2304 Artesia Blvd, Redondo Beach, CA, 90278
  • Lends in California
  • Merit Real Estate, Inc. is a full service residential and commercial real estate sales, investment, and property management company that has been serving the South Bay for over 20 years. Whether you are in the market for the first time or are an experienced buyer and seller, our professional licensed experts will provide you

  • Civic Financial Services
  • 2015 Manhattan Beach Blvd, Redondo Beach, CA, 90278
  • Lends in California
  • CIVIC is the lender that empowers investors through excellent service. We are backed by Wall Street and have the resources that support our commitment to work swiftly and tirelessly until your deal is done. We simplify and streamline the lending process through modern innovations, proactive communication, and hard work.