427 Construction Loan Lenders with AI 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.

Your essential construction loan calculator

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.



  • Colonial Mortgage Service Company of America
  • 418 Stump Road, Suite 100, Montgomeryville, PA, 18936
  • Lends in New Jersey
  • "Since 1992 Colonial has been a trusted local Lender in Commercial, Residential and Investment Loans. Colonial Mortgage is your mortgage purchase and refinancing specialist serving PA, NJ, VA and MD.
    Mission: Our primary goal remains to provide the quickest most efficient process in order to become your #1 Trusted Lender!"

  • INDEPENDENCE HOME MORTGAGE CORP.
  • 720 Johnsville Blvd, Suite 1205B, Warminster, PA, 18974
  • Lends in New Jersey
  • Independence Home Mortgage Corp. is a residential mortgage company dedicated to the American Dream of home ownership. We are a customer focused mortgage brokerage firm who strives to build lasting relationships by providing personalized mortgage solutions and unsurpassed service.

  • Mortgage Access Corporation
  • 225 Littleton Road, Morris Plains, NJ, 07950
  • Lends in New Jersey
  • Established in 1980, in Chatham, NJ Mortgage Access Corp. is licensed in over 40 states. As a Licensed Mortgage Banker, Mortgage Access Corp. derives its mortgage products from many sources & investors; unlike banks or savings & loan institutions, which are often limited by the availability of their own deposits & a single lending philosophy.

  • Centennial Lending Group
  • 1126 Horsham Road, Ambler, PA, 19002
  • Lends in New Jersey
  • Centennial Lending, is a growing mortgage lender headquartered in Maple Glen, PA, currently licensed in eleven states with goals to expand its footprint nationwide, offering award-winning knowledge and service to home buyers and home owners seeking new mortgages or refinancing. Inclusion on Inc Magazine’s Inc 5000 list for the past three years

  • CAPE MAY MORTGAGE COMPANY
  • 300 Brookside Avenue, Bldg 4, Suite 125, Ambler, PA, 19002
  • Lends in New Jersey
  • Cape May Mortgage Company was created with one goal in mind... To help people make smarter, better informed financial decisions when looking to purchase a home. With 30 years of experience and well over 10,000 clients served, John Joyce is committed to educating and guiding individuals through the mortgage process.

  • The Lending Group Company
  • 1111 Street Rd, Suite 304, Southampton, PA, 18966
  • Lends in New Jersey
  • The Lending Group is a full service Direct Mortgage Lender. We lend on Residential and Commercial Real Estate. Our team specializes in Fast Closings, Low Down Payments, Unique Loan Programs, High Loan to Value Cash Outs. Working with a Direct Lender Guarantees your Home Loan application to approve with the Lowest Rate on the Market.

  • Fast Capital 360
  • 95 James Way, Suite 113, Southampton, PA, 18966
  • Lends in New Jersey
  • Fast Capital 360 As a leading FinTech company, we’re building cutting-edge platforms to automate and optimize every step in the application, approval and funding process, disrupting how the industry does business. Since 2013, we’ve helped thousands of customers in all types of industries access hundreds of millions of dollars nationwide.

  • Dollar Funding Inc Mortgage Broker
  • 3146 Route 27, Suite 201, Kendall Park, NJ, 08824
  • Lends in New Jersey
  • We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan that is exclusively for you

  • ALL STATE LENDERS CORP.
  • 2088 US HWY 130, #100, Monmouth Junction, NJ, 08852
  • Lends in New Jersey
  • All State Lenders Corporation (ASLC) has been satisfying hundreds of customers every year with their mortgage needs. We founded our company on the promise of understanding that borrowers know the mortgage industry is a mature market where price differentiates between lenders. Our success at All State Lenders was founded on a low cost

  • Lewis Commercial Services llc dba Michael Lewis Group
  • P.O. Box 1068, DINGMANS FERRY, PA, 18328
  • Lends in New Jersey
  • The Michael Lewis Group has long relationships with a great many life companies, CMBS platforms, hedge funds, pension funds, hard money lenders, private money lenders, equity investors, ultra-high-net-worth individuals, construction loan lenders including infrastructure financing, middle market advisory services via affiliated merchant banks and in

  • Arkad Capital
  • 107 Park Ave, Plainfield, NJ, 07060
  • Lends in New Jersey
  • "Arkad Capital is the creation of three real estate entrepreneurs and
    their constant pursuit of higher real estate investing performance. With
    combined Main St. and Wall St. Knowledge, Arkad Capital brings great
    value to its borrowers by offering highly competitive terms, industry
    knowledge, and outside of the box lending."