Construction Loan Lenders in Phillipsburg, New Jersey (2026)

The Lendersa® compilation of construction loan providers in Phillipsburg, NJ includes regional banks, national financial entities, and local hard money lenders using private capital. These options support projects like ground-up construction and substantial renovations.

For a 2,000-square-foot home in Phillipsburg, NJ, construction costs vary from $299,496 for basic builds to $540,492 for more elaborate designs. Interest rates and loan terms fluctuate based on borrower finances, the loan-to-value ratio (LTV), the after-repair value (ARV), and the specific lender chosen.

Compare offers from 100 lenders to secure the best option for your project.

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Using Lendersa®’s advanced AI, your construction loan needs are quickly matched with hundreds of lenders. Explore the best construction rates to fund new builds, fix-and-flip projects, or major renovations of residential and commercial properties in NJ. Our tools help you find financially suitable matches promptly.

Construction loan lenders nearby

Reduce unnecessary credit inquiries to protect your score. Obtain land loan preapproval without revealing your social security number or other sensitive financial information.

You might qualify for 100% LTV financing if you pledge additional property as collateral, often referred to as a blanket loan.

Utilize the Lendersa® land loan calculator to identify vacant land loan lenders in the zip codes 8865. This tool is designed to simplify your search for optimal financing options efficiently.



Phillipsburg Construction Loan Lenders

  • IRCO Community Federal Credit Union
  • 450 Hillcrest Boulevard, Phillipsburg, NJ, 08865
  • Lends in New Jersey
  • IRCO Community Federal Credit Union was formed on April 21, 1966, to strictly serve the employees of Ingersoll Rand Company in Phillipsburg, NJ. In 1986, we officially became a community credit union with a new name – IRCO Community Federal Credit Union. This change allowed us to open our doors to many more people in our community.

  • RESIDENTIAL HOME MORTGAGE CORPORATION
  • 53 Frontage Rd, Suite 200, Hampton, NJ, 08827
  • Lends in New Jersey
  • RHMC is one of the nation’s top customer rated mortgage lenders. Combining the expertise and comprehensive array of mortgage products offered by national banks, with a culture that prioritizes unparalleled personal service, we specialize in creating custom mortgage solutions tailored to meet the needs of each individual client.

  • First Hope Bank
  • 1301 Hope Bridgeville Road, Hope, NJ, 07844
  • Lends in New Jersey
  • First Hope Bank is a family operated community bank that has been in operation since 1911. We are a full-service bank with products ranging from deposit accounts to loans to investment and insurance products offered by either our Trust Department or Raymond James Financial Services, Inc.