3 Construction Loan Lenders in Charlottesville, Virginia in 2026

The Lendersa® directory of construction loan lenders in Charlottesville, VA encompasses regional banks, nationwide financiers, and local hard money lenders who use private funds for your ground-up construction or extensive rehabilitation projects.

Lenders estimate that building a 2,000 square foot home in Charlottesville, VA can range from $247,959 for basic construction to $448,457 for more elaborate builds. Terms and interest rates for construction loans fluctuate based on financial status, loan-to-value ratio (LTV), after-repair value (ARV), and the lender type chosen.

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Reducing superfluous inquiries can help maintain your credit score. You can obtain preapproval for your land loan without needing to divulge your social security number or any sensitive financial information.

You might be eligible for 100% LTV financing by pledging additional property as collateral in a blanket loan arrangement.

Employ Lendersa®'s land loan calculator to identify lenders for vacant land loans within zip codes 22901.



Charlottesville Construction Loan Lenders

  • Virginia National Bank
  • 222 E Main Sstreet, Charlottesville, VA, 22902
  • Lends in Virginia
  • Virginia National Bank opened in Charlottesville, VA in July 1998 with more than 900 local shareholders. As a true community bank, we not only meet the needs of our community, but we are also a part of its growth The VNB story continues to unfold. As we continue to grow, we will never lose sight of the critical ingredients to our continued success.

  • Frontier Community Bank
  • 400 Lew Dewitt Blvd, Waynesboro, VA, 22980
  • Lends in Virginia
  • Frontier Community Bank and its affiliates are committed to safeguarding the personal information that you provide us. This notice describes our privacy policy and how we handle and protect personal information we collect about individuals, such as you, who apply for or obtain our products and services.

  • DuPont Community Credit Union
  • 140 Lucy Ln, Waynesboro, VA, 22980
  • Lends in Virginia
  • DCCU is a member-owned, not-for-profit, full service financial cooperative committed to providing affordable financial solutions to its member owners. Founded in 1959, DCCU currently serves more than 100, 000 members and has over $1.5 Billion in assets.headquartered in Waynesboro, operates 13 branches in the Central Shenandoah Valley region.

  • Park View Federal Credit Union
  • 1675 Virginia Ave, Harrisonburg, VA, 22802
  • Lends in Virginia
  • Park View Federal Credit Union is a full-service credit union. In addition to our savings, checking, and investment services, we offer a variety of loan products to meet members' financial needs & provide numerous business services.credit union. In addition to our savings, checking, and investment services, we offer a variety of loan produ

  • Pioneer Bank
  • 252 E Main St, Stanley, VA, 22851
  • Lends in Virginia
  • Early in the spring of 1909, a group of farmers and merchants gathered to establish a bank in a small Virginia town known then as Stanleyton. On December 3, 1909, Farmers & Merchants Bank, Inc. opened for business with ten thousand dollars in capital stock. Over one hundred-ten years later, this independent and locally-owned bank,

  • Mid-Atlantic Commercial Capital LLC
  • 210 N Main St, Culpeper, VA, 22701
  • Lends in Virginia
  • Mid-Atlantic Commercial Capital, LLC is a nationally recognized financial company serving our clients financing needs. In these trying times, most banks have a policy to lend money only to those companies that don’t really need it. Additionally, most banks are one-dimensional and only do one type of financing.

  • F&M Bank
  • PO Box 1111, Timberville, VA, 22853
  • Lends in Virginia
  • F&M Bank and its employees dedicate thousands of hours and dollars to the community and local economy. F&M Bank’s corporate philanthropy exceeds $300, 000 annually while our team dedicates their time to civic and nonprofit involvement in the markets where they live, work and play.

  • New Horizon Bank, National Association
  • 1870 Stoneridge Commerce, Powhatan, VA, 23139
  • Lends in Virginia
  • New Horizon Bank was founded in Powhatan, VA about 20 miles west of Richmond. In 2009, a group of local business owners had a vision to meet a need – a community bank to provide an alternative to large regional and national banks. Powhatan is comprised of merchants, small manufacturers, farms, individuals, and families

  • The Farmers Bank of Appomattox
  • 223 Main Street, Appomattox, VA, 24522
  • Lends in Virginia
  • The Farmers Bank of Appomattox has a very rich history of providing for the needs of our customers living within the communities in which we serve. We are a strong community bank with over 100 years of proven personal banking. The directors, officers and employees that have come before us have set high expectations in regard to this level of servic

  • Griffin Capital
  • 1135 Heatherstone Dr, Suite 102, Fredericksburg, VA, 22407
  • Lends in Virginia
  • Griffin Capital Funding has grown to become one of the largest and most creative church financing companies in the country. With over $1.5 Billion in closed church loans, we have helped churches with loans as small as $50, 000 up to our largest loan for one church of $35, 000, 000.