Ground Up Construction Loans — Rates Starting at 9%
Get Flexible Construction Financing for Residential or Commercial Projects — With Fast Approvals and Zero Hassle
At MTN Lending, we provide fast, reliable, and flexible construction loans built to keep your project moving without delays. Our financing solutions support both residential and commercial developments, with customizable terms and timely funding at every stage of construction.
With deep industry experience, we understand the challenges builders and developers face. That’s why our process is streamlined—from application to approval—so you get the capital you need without unnecessary paperwork or delays.
Whether you’re building a custom home, multi-family development, or large commercial project, MTN Lending is committed to helping you complete your build on time and within budget.
How Our Process Works
Initial Consultation
Start with a conversation with one of our loan specialists. We review your construction goals, project timeline, and funding needs to get a complete understanding of your build.
Tailored Loan Proposal
Once we understand your project, we create a customized loan proposal built around your needs. This may include flexible terms, interest-only payments during construction, and options to adjust as your project progresses.
Fast Approval Process
When you're ready to move forward, we begin our streamlined approval process. With minimal paperwork and efficient underwriting, you get answers quickly—so you can keep your project on schedule.
Stage-Based Funding
Your construction funds are released in phases aligned with project milestones. This ensures you have the capital you need at every step, from groundbreaking to final completion.
Smooth Transition Options
When construction is complete, we offer flexible options to transition your loan—whether that means converting to long-term financing or selecting a repayment structure that aligns with your investment strategy.
Loan Terms and Requirements
MTN Lending offers construction loans tailored for a wide range of residential and commercial projects. To ensure a smooth approval process, please review the following requirements:
Project Outline
Provide a detailed description of your construction project, including plans, timelines, scope of work, and budget estimates. This helps us accurately evaluate your funding needs.
Creditworthiness
A strong credit profile is important and will influence both your approval and the terms of your loan.
Down Payment
A down payment is required to demonstrate your commitment to the project and reduce overall lending risk.
Builder/Contractor Information
If you are working with a builder or contractor, include their credentials, experience, licenses, and project history to support your application.
Financial Documentation
Submit financial documents such as bank statements, income statements, and tax returns so we can verify your ability to repay the loan.
Insurance Requirements
Appropriate insurance coverage—such as builder’s risk insurance—is required before loan approval and must remain in place throughout the construction period.