Construction Loans Ground Up in Lewis County Washington
Ground-up construction loans are short-term, interest-only loans used to finance the entire construction of a new investment property — from land purchase through certificate of occupancy.
Why Choose LoiNow for Ground-Up Construction Loans
- Funding in as little as 7–10 business days
- No tax returns or W-2s required — asset and project based
- Up to 90% Loan-to-Cost (LTC) and 70–75% After-Repair Value (ARV)
- Draw-based construction disbursements for smooth cash flow
- 1,000+ projects funded across Washington
- Experts in Lewis County building permits and zoning rules
How to Qualify?
- Provide a detailed scope of work and budget.
- Submit architectural plans and contractor bids.
- Show proof of site control (land ownership or purchase contract).
- Outline exit strategy (refinance or sale).
Property Types Eligible
- Single-family spec homes
- Townhomes and condos
- Small multifamily (2–20 units)
- Light commercial buildings
- Mixed-use developments
- Community rehab projects and subdivisions
Why Investors Choose LoiNow?
- Experienced Washington private lender
- Licensed loan advisors familiar with local market conditions.
- Transparent pricing — no hidden junk fees.
- Google Ads & FTC compliant disclosures.
- Trusted in neighborhoods from Seattle to Redmond and across Adams County.
How the Process Works
Apply Online
Share basic deal info and plans
Receive Term Sheet
Within 24–48 hours
Due Diligence & Appraisal
We verify budget and project timeline
Close & Fund
Funding in 5–10 business days
Draw Schedule Management
Funds released as construction milestones are met
Benefits over Traditional Banking
Speed (5–10 days)
Construction Draws Fast releases
Underwriting Asset-based
Docs Required Minimal
Credit Tolerance Flexible
Loan Program Overview
Term | 12–24 months interest-only |
LTC | Up to 90% |
LTV on Completed Value | Up to 75% |
Minimum Loan | $250,000 |
Maximum Loan | $5,000,000 + |
Collateral | Property under construction |
FAQs
Typical loans range from $250,000 to $5 million depending on scope and collateral.
Most projects carry 12- to 24-month terms, interest-only until completion.
Preferred, but not required — we often approve first-time builders with a qualified general contractor.