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Home › Find a Lender › California
California · vetted specialists

Construction loan lenders in California

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

Quick answer

Construction loan lenders in California 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 California.

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California directory

Lenders serving California

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!!!

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Banc of California

📍 CA
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California Bank & Trust

📍 CA
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Cal-Lending

📍 CA
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Construction loans in California — FAQ

What down payment do California construction lenders require?
Conventional construction loans in California 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 California?
Yes — some lenders serving California 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 California?
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 California.

Nearby: Oregon · Nevada · Arizona

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