Build With Confidence

Whether you’re constructing a new home, developing a multifamily project, or completing a commercial build-out, we help secure financing aligned with your plan, budget, and exit strategy.

Residential Construction

Spec homes, custom homes, infill development, and small residential projects.

Commercial Construction

Retail, office, flex, mixed-use, warehouse, hospitality, and other developments.

Major Renovation Projects

Large value-add renovations, tear-downs, additions, and repositioning plans.

How Construction Financing Works

Construction lenders evaluate the project budget, plans, land value, experience, and exit strategy to determine how much they can advance and how draws are released.

  • Draw schedules: Funds are released as work is completed and inspected.
  • Loan based on cost or completed value: Depends on project type and lender.
  • Interest-only during construction: Keep payments lower while building.
  • Flexible collateral: Single asset or multiple parcels depending on scope.
Discuss Your Project

Popular Construction Use Cases

  • Spec Homes
    Ground-up SFR projects for resale or BRRRR.
  • Small Multifamily
    2–12 unit builds in growing markets.
  • Major Residential Renovations
    Additions, tear-downs, or whole-home rebuilds.
  • Commercial Buildouts
    Retail, office, and mixed-use tenant improvements.
  • Ground-Up CRE Development
    Flex, industrial, hospitality, and mid-size commercial projects.
  • Repositioning & Value-Add
    Large renovations for improved NOI or resale.

From Blueprint to Final Sign-Off

We help ensure your project is financially supported from start to finish, with the right structure for your timeline and exit.

  • Upfront guidance: Understand project costs, liquidity requirements, and reserve needs.
  • Aligned with your build schedule: Draws structured around workable milestones.
  • Clear exit paths: Refinance, sell, or convert into permanent financing.
Start Your Construction Prequalification

Compare Construction Loan Options

Residential Construction Loans

Designed for spec homes, custom builds, and small multifamily projects.

Typical Term 6–18 months
Best For Spec builders, infill developers, BRRRR builders
Advance Basis Cost or ARV-based
Speed 10–30 days

Commercial Construction Loans

For ground-up commercial, mixed-use, hospitality, industrial, and retail.

Typical Term 12–36 months
Best For Developers with plans, permits, and commercial sites
Advance Basis Cost-to-complete / as-stabilized appraisals
Speed 30–60 days

Renovation & Value-Add Loans

For substantial building improvements, repositioning, and expansions.

Typical Term 6–24 months
Best For Large-scale or structural renovations
Advance Basis Cost + future value considerations
Speed 10–30 days

Why Builders & Developers Work With F.G. Howell

Project-Ready Structuring

We help organize your budget, plans, experience, and exit so lenders can underwrite cleanly.

Faster Approvals

We work with lenders who understand timelines and construction schedules—not slow committee processes.

Multiple Capital Options

Banks, private lenders, debt funds, and specialty construction lenders—matched to your scope.

Start planning your construction financing today.

Construction Loan FAQs

Most construction lenders require 10–25% depending on project size, experience, and collateral.

Usually yes for commercial construction. Residential projects vary by lender but clear plans always help.

Funds are released in stages after inspections confirm work completed against the budget.

Yes. Many programs offer construction-to-perm or refi options once stabilized.

Absolutely. Value-add, additions, tear-downs, and major renovations are common.