Ground-Up Construction Lending

Ground-Up Construction Financing Built for Builders

From permit to certificate of occupancy — with milestone-based draws that keep your build on schedule and your crew on the job.

$3B+Total Funded
7,500+Loans Closed
48hrsAvg Close Time
2011In Business Since

Why Veristone Construction

Built for Builders Who Move Fast

Milestone-Based Draws

Capital released as each phase completes — not on an arbitrary bank calendar.

Interest-Only During Build

Minimize carry costs with interest-only payments throughout the construction period.

Up to $25M

Single-family specs to large multi-family developments — we scale with your project.

Program Terms

Construction Loan at a Glance

Rate Range

9–12%

Max LTC

85%

Loan Term

6–24 mo

Loan Size

$150K–$25M

Eligible Property Types

  • Single Family
  • Multi-Family
  • Townhome
  • Mixed-Use

Key Highlights

  • Milestone-based draws
  • Interest-only during build
  • Close in 48 hours

Simple Process

Get Funded in 3 Steps

1

Submit Your Project

Share basic details about your project, permits, and loan needs. No lengthy paperwork upfront.

2

Review & Approval

Our team reviews your project and follows up the same day with terms and a draw schedule.

3

Draws Begin at Each Milestone

Once funded, draws are released as each construction phase completes — keeping your crew on the job.

No Credit Impact

Pre-Qualify in Minutes

Our team will reach out with a term sheet tailored to your project — no obligation, no runaround.

Program Benefits

Everything You Get with Construction Loans

Built for builders and developers who need a lender that understands the full scope of ground-up construction.

Ground-Up Financing

Fund new construction from foundation to finish on residential and mixed-use projects.

Milestone-Based Draws

Capital released at each inspection-verified phase — keeping your crew working.

Interest-Only Payments

Minimize carry costs during the build period with interest-only structures.

Close in 48 Hours

In-house underwriting for projects with permits in hand.

Up to $25M

From spec homes to multi-family developments — we scale with you.

Cross Collateralization

Leverage equity across your portfolio to strengthen your construction deal.

Fill out the form below and a loan officer will follow up with you shortly.

Fast closings · Flexible terms · Direct lender

Talk to a Loan Expert About Your Project

Whether you have a deal under contract or are still scoping an opportunity, we'd love to hear about it. No obligation, no runaround.

Get a Quick Quote

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Oregon Mortgage Broker License #5288. Idaho Mortgage Broker License #8640. Veristone Capital operates as Veristone Mortgage NWMLS: 1106440 in Oregon and Idaho. Investment loans made or arranged pursuant to these state licenses. This site is not authorized by the respective state departments of financial services for any other states.