LOAN OPTIONS

Every construction loan has two phases: the build and the exit. The right program matches the capital to both. Agency construction-to-permanent programs eliminate refinance risk by locking permanent financing at origination. Debt fund and private capital programs provide flexibility for projects that don't fit agency parameters. SBA 504 construction serves owner-operators building their own facility. We work through the project specifics before recommending a structure — because the wrong program at origination creates problems at certificate of occupancy.

Commercial real estate financing is not a single product — it is a spectrum of programs with different eligibility requirements, leverage parameters, and execution timelines. Agency debt offers the best pricing for stabilized assets that meet program guidelines. CMBS provides flexibility for borrowers and properties outside conventional boxes. Life company financing suits institutional-quality assets in established markets. SBA programs serve owner-operators acquiring or building their own facilities. Debt fund capital fills the gap for transitional assets and complex situations. We identify where your deal fits before recommending a path forward.

Bridge loans are not one-size-fits-all. The right structure depends on the asset, the timeline, the exit, and the borrower's position. We work with a network of private lenders to match each scenario to the appropriate capital source — and we stay in the deal through closing.

Building from the ground up is more involved than buying an existing home — the financing should match that complexity. Whether you're a homeowner building your primary residence or a developer managing a ground-up investment project, the right construction loan structures the financing around your project from day one rather than forcing you to refinance when the work is done.

Renovation financing combines your purchase or refinance with the cost of improvements into a single loan — one closing, one payment, no separate construction line of credit. The right program depends on the scope of work, the property type, and whether the property will be owner-occupied or held as an investment. Use the tabs below to find the program that matches your project, or contact us to walk through the options before you commit to a property.

Whether you're buying your first home or adding to an investment portfolio, the right loan structure makes a material difference in your long-term outcome. The programs below cover the full range of purchase and refinance scenarios — from first-time buyers with limited down payment to investors qualifying on rental income. Use the tabs to find the program that fits your situation, or contact us if you'd like help narrowing it down before you start.