5 Construction Loan Lenders in North-East, New York in 2026

Lendersa® offers a detailed list of construction loan lenders in North-East, NY, covering regional banks, national lenders, and local hard money lenders who utilize private capital for both ground-up construction and major rehab ventures. These lenders provide diverse financial avenues suited to various project specifications.

In North-East, NY, costs for building a 2,000-square-foot home start at $278,805 for basic structures, escalating to $509,664 for more upscale designs. Interest rates and terms for these construction loans can differ greatly, influenced by borrower financials, loan-to-value (LTV) ratios, after-repair values (ARV), and the selected lender type. These factors significantly shape the loan's overall cost and conditions.

Explore and Compare Loan Offers from 100 Lenders

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Lendersa® uses state-of-the-art AI technology to ensure all your construction financing needs are efficiently managed by connecting your loan request with a vast array of construction lenders. This enables you to explore competitive construction rates for funding projects ranging from fresh constructions to fix-and-flip ventures or comprehensive rehabs, across residential and commercial properties in NY. This ensures thorough exploration of available financing options for your vision.

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To maintain a strong credit score, limit unnecessary inquiries. Secure preapproval for a land loan without sharing your social security number or any sensitive financial data early on, ensuring privacy protection while exploring financial options.

Further, you might qualify for 100% LTV (Loan to Value) financing by pledging additional property as collateral in a blanket loan arrangement, which can extend your borrowing flexibility significantly.

Utilize the Lendersa® land loan calculator to pinpoint vacant land loan lenders in zip codes 12567, streamlining your search for optimal financial solutions tailored specifically to your project needs.



North-East Construction Loan Lenders

  • Rhinebeck Bank
  • 6414 Montgomery Street, Rhinebeck, NY, 12572
  • Lends in New York
  • Rhinebeck Bank is a full service, locally focused bank headquartered in Poughkeepsie, NY. We offer a full range of personal checking, savings, money market and certificates of deposit as well as, home equity lines of credit and mortgages. For commercial customers we offer a broad variety of products and services for sole proprietors, partnerships.

  • First Hudson Mortgage Company
  • 20 King Arthur Way, Hudson, NY, 12534
  • Lends in New York
  • Janet formed the first-ever independent mortgage business in Hudson, NY and over the years has cultivated strong relationships within the local banking, legal and real estate communities. Janet began her career working as a Loan Counselor for Home & City Savings Bank and soon came to the realization that a choice of loan programs

  • Valley Mortgage Company Inc
  • 751 Warren Street, Front Hudson, NY, 12534
  • Lends in New York
  • Valley Mortgage Company, Inc. arranges for loans with third party providers who offer a full spectrum of loan products including the following: conventional fixed and variable rate conforming and jumbo loans, Federal Housing Administration (FHA) insured loans, Veterans Administration loans, RHS Guaranteed loans (100% Financing and more

  • Ulster Savings Bank
  • 180 Schwenk Drive, Kingston, NY, 12401
  • Lends in New York
  • Ulster Savings Bank is more than just banking! We offer a full line of products and services for both personal and business such as insurance, payroll services, tax preparation and wealth management. business such as insurance, payrol
    A leader in community giving, Ulster Savings Bank is actively involved in the communities we serve

  • The National Bank of Coxsackie
  • 3-7 Reed Street, Coxsackie, NY, 12051
  • Lends in New York
  • At National Bank of Coxsackie, we pride ourselves on being a reliable hometown bank that focuses on customer service. We are committed to providing you with the finest products and services possible. National Bank of Coxsackie understands that not every individual is the same and views our customers as such.

  • Hudson Valley Credit Union
  • PO Box 1071, Poughkeepsie, NY, 12602
  • Lends in New York
  • Today, Hudson Valley Credit Union is a full service not-for-profit financial cooperative, 300, 000+ members strong. We extend membership to our neighbors who live, work, worship, volunteer or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester Counties.

  • TEG Federal Credit Union
  • 1 Commerce Street, Poughkeepsie, NY, 12603
  • Lends in New York
  • TEG Federal Credit Union is a local, member-owned, not-for-profit, full-service community financial institution open to all those who live, work, worship or attend school in Dutchess, Orange, Ulster, Sullivan, Putnam, Rockland and Westchester County in New York. Since 1969, TEG has been a steady source of financial services to its members.

  • Wallkill Valley Federal
  • 23 Wallkill Ave, Wallkill, NY, 12589
  • Lends in New York
  • Wallkill Valley Federal Savings & Loan Association, the stated goals were to promote thrift and homeownership within the local community. The Association sought to meet these goals by providing a safe place for local savings deposits and by prudently lending these deposits back into the community in the form of home mortgages

Also lends in New York

  • DML Mortgage
  • 777 Old Rte 7, Suite 7, Brookfield, CT, 06804
  • DML Mortgage was founded by David M. Lichtman. With over 15,000 loans closed, DML Mortgage has assisted many people in achieving their dream of home ownership.For more than 25 years in business, Mr. Lichtman has always stood for persistence, honesty and integrity. DML Mortgage provides Fixed Range Mortgage 30,20,15 Years Conforming, Jumbo Mortgage

  • Gem Star Capital LLC
  • 4 Old Mill Plain Rd, 2nd Floor, Danbury, CT, 06811
  • Gem Star Capital, LLC. does not finance owner occupied residential real estate. We offer commercial
    mortgages strictly for non owner occupied real estate. Gem Star Capital, LLC. originates loans under
    the 12 CFR 1024.5(b)(2) business purpose loans that are exempt from coverage under RESPA as
    defined by 12 CFR 1026.3(a)(1) of Regulation Z.