1238 Construction Loan Lenders with AI in Santa-Ynez, California 2025

Lendersa® maintains a comprehensive list of construction loan lenders across Santa-Ynez, CA. This list embraces a variety of financial institutions, including regional banks, national lenders, and local hard money lenders who utilize private funds to support both your ground-up construction ventures and major rehabilitation projects.

In Santa-Ynez, CA, the construction costs for a 2,000 square foot home can range widely, from $317,081 for basic construction all the way up to $575,379 for more elaborate constructions. The interest rates and construction loan terms can vary significantly, depending on borrowers’ financial profiles, the LTV (Loan-to-Value ratio), ARV (After Repair Value), and the nature of the selected lender.

If you are in the market, feel free to compare loan offers from an extensive pool of 100 lenders to find one that best fits your financial plans.

Explore the magic of the construction loan calculator

Lendersa® leverages advanced AI technology to seamlessly match your loan requests with a broad network of construction lenders, ensuring every aspect of your financing needs is meticulously addressed. By using Lendersa®, you can discover optimal construction rates for not just ground-up constructions but also fix-and-flip projects and substantial rehabs for both residential and commercial properties within CA.

Are there construction loan lenders located nearby?

Reducing unnecessary credit inquiries is crucial to maintaining a good credit score. Fortunately, you can achieve preapproval for land loans without disclosing personal details such as your social security number or other sensitive financial information.

In some cases, you may qualify for 100% Loan-to-Value (LTV) financing by pledging additional property as collateral through what is known as a blanket loan agreement.

Use the Lendersa® land loan calculator to discover lenders offering vacant land loans in the zip codes 93463, 93460. This helpful tool not only simplifies the locating process but also offers tailored solutions to best meet your financial requirements and aspirations for your construction projects.



  • 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.
  • AccoLend
  • 310 Cedar Lane, Suite 3A, Teaneck, NJ, 07666
  • AccoLend is a fast growing direct lending company. We are based in NJ but fund bridge/hard money loans in 30+ states. We with offer great career path for loan officers, especially for those with a proven track record. Our product mix is flexible, we offer competitive rates, charge no points and provide fast and reliable service for our clients.
  • 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.
  • Meridian Capital Group LLC
  • 1 Battery Park Plaza, 26th Floor, New York, NY, 10004
  • Meridian has arranged financing for many of the country’s leading real estate investors and developers. The experts on our in-house underwriting & placement teams tailor creative, best-in-class solutions for our clients’ unique needs. Clients benefit from our long-standing relationships with more than 250 traditional and non-traditional lender
  • Riverside Park Capital - Commercial Mortgages
  • 10 Times Square, New York, NY, 10018
  • We launched in 2015 with a single goal in mind, be different. Yes, we provide good terms, and yes our options are flexible and unique, but what truly sets us apart is our team. Every director, associate and underwriter has a minimum of ten years professional commercial banking experience none of our competitors can say the same.
  • We Lend, LLC
  • 54 W 40th Street, New York, NY, 10018
  • We Lend is a nationwide Private lender focused on providing quick and low-cost capital for investment properties. We Lend’s approach to lending is centered around the investor, allowing the investor to focus more on their investment and less on the loan process. The We Lend team is here to assist in the expansion of your real estate portfolio!
  • Amalgamated Mortgage Corporation
  • 275 7th Ave, New York, NY, 10001
  • For nearly a century, Amalgamated Bank has been America’s Socially Responsible bank supporting thousands of people, organizations, causes and businesses. We work to make the world more equitable and sustainable for all by helping those who do good do better. Nonprofits, labor unions, advocacy groups, socially responsible businesses.
  • Sky Equity, LLC.
  • 43 West 33rd Street, Suite 504, New York, NY, 10001
  • Sky Equity, LLC is a hard money lending and real estate investment company, providing creative funding solutions for Borrowers, while consistently delivering healthy returns for Investors. Efficient loan processing, conservative underwriting and in-depth knowledge of market conditions are all hallmarks of Sky Equity
  • Brooklyn Funding Group Ltd.
  • 33 35th St A404, Brooklyn, NY, 11232
  • Brooklyn Funding Group makes short-term lending simple and stress-free. Our experienced team ensures a smooth process, turning your real estate goals into reality. We offer fast financing for 1-4 unit properties with up to 90% LTC, up to 75% ARV, and rates starting at just 7.7%. Whether it’s a fix-and-flip or an investment opportunity, we’re here t
  • StackSource
  • 43 W 23rd St, New York, NY, 10010
  • StackSource is a tech-enabled commercial real estate loan platform. We connect investors who are developing or acquiring commercial properties with financing options like banks, insurance companies, and private lenders through an easy, transparent process. We’re taking the best of commercial mortgage brokerage and updating it for the 21st century.