Construction Loan Lenders in Scotia, New York (2026)

Lendersa® compiles a list of construction loan lenders in Scotia, NY, including regional banks, national lenders, and local hard money providers who utilize private funding for ground-up construction or major rehab projects.

Construction costs in Scotia, NY for a 2,000 square foot home are estimated, ranging from $283,678 for basic structures to $514,537 for more elaborate builds. Interest rates and loan terms differ based on the borrower's financial profile, Loan-to-Value (LTV) ratio, After-Repair Value (ARV), and the lender type selected.

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Avoid unnecessary credit inquiries to maintain a healthy credit score. Secure preapproval for your land loan without the need to provide your social security number or sensitive financial information.

You may qualify for 100% LTV (Loan-to-Value) financing if additional properties are pledged as collateral through a blanket loan.

Utilize the Lendersa® land loan calculator to find lenders offering vacant land loans within zip codes 12302.



Scotia Construction Loan Lenders

  • 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.

  • 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

  • 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.

  • Sunmark Credit Union
  • 1187 Troy Schenectady Road, Latham, NY, 12110
  • Lends in New York
  • Sunmark Credit Union is a full-service, community chartered credit union serving New York through financial services, education and empowerment. Since 1937, Sunmark Credit Union has been helping members in New York improve their financial position by offering a full range of products, from mortgage and retirement options to savings and checking.

  • Northeast Funding Services, Inc.
  • 30 Century Hill Dr Suite 103, Latham, NY, 12110
  • Lends in New York
  • Northeast Funding is a Licensed Mortgage Broker in both New York and Connecticut. As a broker we do the hard part for you. We shop out the interest rate between several local, regional, and national banks to find which one is the for you. We make the process as simple as we can for you.

  • CAP COM Federal Credit Union
  • 4 Winners Circle, Albany, NY, 12205
  • Lends in New York
  • CAP COM was first established in 1953 in Albany, N.Y. More than six decades later, CAP COM has grown to more than $2 billion in assets and 12 branch locations. We are member-driven and focused on superior service, convenient products and competitive rates that help our members save money and make life just a little easier

  • Stockbridge Capital, LLC
  • 1698 Central Avenue, Albany, NY, 12205
  • Lends in New York
  • Stockbridge Capital, LLC has been an industry leader in the acquisition and management of vacant land real estate assets throughout the nation. With a primary focus on portfolios comprised of vacant land loans as well as REO, the firm is also involved in purchasing portfolios secured by mobile homes and land.

  • CMN Funding
  • 1510 Central Ave Suite 380, Albany, NY, 12205
  • Lends in New York
  • CMN Funding is a financial services company that specializes in the needs of the commercial client. CMN is a full service outlet for many types of commercial financing. Our primary focus is to obtain funding for commercial real estate transactions.

    Our company pledge is to work very hard to find the right home for every deal. CMN has long standi