Owner-Occupied Construction Loan Program:

Owner-occupied construction loans provide financing for both the price of the land and the construction costs associated with building. Whether you are building your home from scratch or under-estimated the costs associated, these loan programs are your answer. Our owner-occupied construction loan programs provide financing for consumer ground-up construction or funds to finish on your single or multi-family home.

Lending Criteria & Guidelines:

  • Loan Amounts: $50,000 – $2,500,000+
  • Property Type: Single Family – Multi-Family
  • Loan Type: Consumer Ground-Up Construction – 1st and 2nd Trust Deeds OK!
  • Loan-to-Value: Up to 65% LTV/ 60% CLTV of ARV (After Repair Value) or 75% of the LTC (Loan-to-Cost) of construction, whichever is less
  • Terms: 1 year or less with Balloon – Interest Only Payments
  • Underwriting: Equity Driven, Bank Statements, No Tax Returns (other docs apply)
  • Property Valuation: Appraisal Required
  • Interest Rates: 1sts from 9.99% – 2nds from 11.50%*
  • Points & Fees: 2+ Points plus Underwriting & Valuation of $2,995
  • Funds Control: Required
  • Good to Know: Great loan if current conventional loan is maturing. 3-Day Right to Cancel does not apply. HUD Counseling is not required.
  • “Yes, We Can!”: Low FICO – BK – NOD – Foreign National – Self Employed


Why Mortgage Vintage, Inc.?

Mortgage Vintage, Inc. is a direct hard money lender that originates and funds business purpose loans for real estate investors and business owners.  All Mortgage Vintage loans must be secured by California real estate.

  • Same Day Term Sheets – Professional Service
  • Easy Loan Submission, Quick Turnaround, 3-7 Day Funding
  • Fast, Flexible and Transparent Loan Process
  • Over 30 years Financial Industry Experience
  • Funding Based on Committed Terms
  • Surety of funding through CrowdTrustDeed’s simple and secure online marketplace
  • Se Habla Español


Sandy MacDougall – (949) 632-6145 – [email protected]