AllConstructionLoans.com — a resource to help you build, powered by StartBuildNot a lender — a resource to help you build · Powered by StartBuild
For LendersGet Matched
Loan Types
All loan typesConstruction Loans Guide
Find a Lender
Browse by StateGet Matched
Cost to Build
Cost-to-Build CalculatorShare & Match your report
More
AboutContactFor Lenders
Get MatchedEstimate Cost
Home › Find a Lender › Arizona
Arizona · vetted specialists

Construction loan lenders in Arizona

Local and national specialists financing new-home and owner-builder construction across Arizona — with cost-to-build context to size your loan.

Quick answer

Construction loan lenders in Arizona offer one-time close, two-time close, owner-builder, and FHA/VA/USDA programs. Conventional builds typically need 20–25% down; FHA can be 3.5% and VA/USDA 0% for eligible borrowers. Get matched free to compare specialists serving Arizona.

Arizona cost to build · via StartBuild

Size your Arizona build before you talk to a lender — estimate cost per square foot across Good / Better / Best finish tiers, then match with lenders who finance a build that size.

Estimate your Arizona build →
Arizona directory

Lenders serving Arizona

US Bank ✓ Verified

📍 All 50 states
One-Time CloseOwner-Builder2nd Mortgage / HELOCLand

Specializing on Construction to Perm Financing for Owner Occupied, Second Homes, ADU and Barndominium Properties. Will do OWNER BUILDER on case by case basis. Lot Financing Available. LENDING IN ALL 50 STATES!!!

Visit Website

Arizona Financial Credit Union

📍 AZ
Visit Website

Foothills Bank

📍 AZ
Visit Website

National Bank of Arizona

📍 AZ
Visit Website

OneAZ Credit Union

📍 AZ
Visit Website

Pinnacle Bank

📍 AZ
Visit Website

Construction loans in Arizona — FAQ

What down payment do Arizona construction lenders require?
Conventional construction loans in Arizona typically need 20–25% down; FHA one-time close can be 3.5%, and eligible VA and USDA borrowers may put 0% down.
Can I get an owner-builder construction loan in Arizona?
Yes — some lenders serving Arizona offer owner-builder programs, though approval is stricter than with a licensed general contractor. Get matched to compare them.
How do I compare construction loan lenders in Arizona?
Compare the loan programs each lender actually originates (one-time close, two-time close, owner-builder, FHA/VA/USDA), their minimum loan amounts, and their true service area — or get matched free with specialists serving Arizona.

Nearby: California · Nevada · Utah · New Mexico

Get MatchedEstimate Cost