Construction Loans Ground Up in Whatcom County, Washington
LoiNow delivers fast, flexible construction financing for Washington real-estate investors and builders from dirt to delivery.
Ground-Up Construction Loans for Washington Investors
Building new residential or commercial properties in Whatcom County requires a lender who understands local permitting, draw schedules, and investor timelines. At LoiNow, we provide short-term, asset-based construction loans that fund each stage of your project land acquisition, foundation, framing, and final inspection without bank delays.
Experience You Can Trust:
- 1,000+ funded projects across Washington
- Expert team based in Seattle with local appraisers and title partners
- Transparent draw management and on-site inspection support
How to Qualify?
- Provide project plans, cost breakdown, and permits (if available).
- Share your experience or partner with a licensed builder.
- Show exit strategy — sale or refinance after completion.
Property Types Eligible
- Single-family new construction
- Townhomes and duplexes
- Multifamily (up to 20 units)
- Commercial and mixed-use buildings
- Spec and infill development
Market Snapshot
- Ferndale and Lynden for affordable single-family projects
- Downtown Bellingham for mixed-use redevelopments
- Blaine and Birch Bay for coastal vacation homes
How the Process Works
Submit Deal Scenario
Same-Day Soft Terms Issued
Fast Closing
Benefits over Traditional Banking
Approval Time 7–10 days
Minimal Docs Needed
Funding Flexibility High
Appraisal Often waived
Credit Requirement Not required
Why Builders in Whatcom County Choose LoiNow
Local Expertise: We know Bellingham’s zoning codes, Ferndale’s inspection requirements, and the coastal build regulations unique to Whatcom County.
Fast, Flexible Funding: Most loans close within 7–10 business days, so you can start building without capital delays.
Transparent Draw Schedules: We release funds in stages foundation, framing, roofing, and final based on your timeline, not the bank’s.
Streamlined Process:
- No income docs required
- LTV up to 75% (ARV-based)
- Loan amounts: $250K – $10M+
- Terms: 6–18 months
FAQs
Most projects fund within 7–10 business days, once plans and permits are reviewed.
We accept both licensed builders and experienced investors working with licensed contractors.
Yes, we can finance land acquisition and vertical construction together.
Ready to fund your Whatcom investment?
Fast approvals. No income docs. Same-day term sheets.