491 Construction Loan Lenders with AI in Gaines, New York 2026

The Lendersa® listing of construction loan lenders in Gaines, NY, features a variety of financial institutions including regional banks, national lenders, and local hard money lenders using private capital for ground-up construction or substantial rehab projects.

In Gaines, NY, lenders calculate the cost for building a 2,000 square foot home, starting from $279,168 for basic construction up to $510,027 for more elaborate builds. Interest rates and loan terms differ depending on borrowers’ financial profiles, the Loan-to-Value (LTV) ratio, After Repair Value (ARV), and the lender type chosen.

Review and compare offers from 100 lenders

Unleash the magic of our construction loan calculator

With Lendersa® AI technology, you can instantly align your construction financing needs with hundreds of potential lenders. Discover the most favorable construction rates available to finance new builds, fix-and-flip projects, or major rehabs for both residential and commercial properties in NY.

Searching for nearby construction loan lenders?

Protect your credit score by minimizing unnecessary inquiries. Secure preapproval for your land loan without disclosing your social security number or other sensitive financial details.

You might be eligible for 100% LTV financing if you offer additional property for collateral as a blanket loan collateral.

Use Lendersa®'s land loan calculator to locate vacant land loan providers by zip codes in 14477, 14411.



  • St. Lawrence Federal Credit Union
  • 800 Commerce Park Drive, Ogdensburg, NY, 13669
  • Lends in New York
  • Our mission is to be a trusted provider of financial services while building lasting relationships with our members, employees, and community.Since our beginning in 1954 as the St. Lawrence State Hospital Employees Federal Credit Union, we have focused on making a positive impact on people’s lives.We are committed to honesty

  • The Delaware National Bank of Delhi
  • 124 Main Street, Delhi, NY, 13753
  • Lends in New York
  • The Delaware National Bank of Delhi is the oldest bank in Delaware County, and the oldest corporation in the community of Delhi. We are also the 25th oldest bank in the country, and the 3rd oldest in New York State.

    In 1839 we opened our doors for business on the second floor of a storefront on Delhi's Main Street. In 1841

  • Bank of Richmondville
  • 857 East Main Street, Richmondville, NY, 12149
  • Lends in New York
  • The Bank of Richmondville was established in 1881 by the honorable Judge John Westover and James Foster as a privately owned bank. The bank's initial facility was located at Main and Summit Streets in Richmondville, New York.

    In the fall of 1893, through the efforts of William Lewis and A.D. Frasier, the Bank of Richmondville was organized

  • SeaComm
  • 30 Stearns Street, Massena, NY, 13662
  • Lends in New York
  • SeaComm is a member owned financial cooperative based in Massena with branches in Potsdam, Malone, Canton, Ogdensburg, Plattsburgh, NY and South Burlington, VT. We strive to improve the quality of life in the communities we serve.SeaComm Federal Credit Union serves over 48, 000 members with assets

  • Hometown Mortgage Corp
  • 4200 State Hwy 30, Amsterdam, NY, 12010
  • Lends in New York
  • Hometown Mortgage Corp. our mission is to set a high standard in the mortgage industry.We are committed to quality customer service - putting the people we serve 1st.Take advantage of our expertise in the residential lending industry by applying online today.You will find that the skill, professionalism & consideration we give to each of our client

  • First National Bank of Scotia
  • 201 Mohawk Avenue, Scotia, NY, 12302
  • Lends in New York
  • At 1st National Bank of Scotia, we rely on our decades of experience both inside and outside the banking industry to help provide our loyal customers with the products and services to fit their needs. Our Board of Directors truly care about providing for our customers and our communities today, tomorrow, and well into the future.

  • Prosper First Capital
  • 763 Saratoga Road, Suite 4, Burnt Hills, NY, 12027
  • Lends in New York
  • Prosper First Capital have worked hard to build our reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full-service mortgage broker with an experienced staff offering expertise in every area of mortgage lending.

  • Lewis Commercial Services llc dba Michael Lewis Group
  • P.O. Box 1068, DINGMANS FERRY, PA, 18328
  • Lends in New York
  • 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

  • PNC Bank
  • The Tower at PNC Plaza 300 5th Avenue, Pittsburgh, PA, 15222
  • Lends in New York
  • Find the Lending Solution that Meets Your Needs.
    PNC has been lending for over 100 years. We can help find the right product for you.
    Finding the right home can be a complicated journey. We have tools to make sure you're finding a home that is within your budget and meets your needs.

  • The Mortgage Place Inc.
  • 646 Plank Road, Suite 102, Clifton Park, NY, 12065
  • Lends in New York
  • At The Mortgage Place, we recognize that buying or refinancing a home is a huge commitment. At our initial consultation, we will work together to determine your goals, needs and financial strategies. We will patiently describe the different mortgage programs in detail. Together we will decide on the best program and lender for your situation.

  • The Adirondack Trust Company
  • 473 Broadway, Saratoga Springs, NY, 12866
  • Lends in New York
  • We’re the Adirondack Trust Company, and we go above and beyond to create solutions for people, businesses and our community.

    As a successful independent Bank that’s been serving this area for more than a century, we are vested in your success and committed to taking you and our community to greater heights.

  • Capital Bank
  • 3057 Route 50, Saratoga Springs, NY, 12866
  • Capital Bank opened for business on Wolf Road in the Town of Colonie in December of 1995. The Bank was founded by a group Albany-based business people and community leaders. The founders knew there was a niche for a new commercial bank in the Capital Region. Over the next 15 years, the forecast of the founders came to fruition,