Build Your Vision with Custom Construction Loans
Whether you're breaking ground on a new home, commercial property, or major renovation, Divine Equity provides flexible construction financing with competitive terms.
Build Your Vision with Custom Construction Loans
Whether you're breaking ground on a new home, commercial property, or major renovation, Divine Equity provides flexible construction financing with competitive terms.
Types of Construction Loans
Ground-Up Construction Loans
Funds: Up to 90% of total project cost
Terms: 12–24 months (convertible to permanent loan)
Disbursements: Released in 5+ stages (foundation, framing, etc.)
Renovation Loans
Fixer-Uppers: Finance purchase + rehab in one loan
Example: Buy a 200K property+100K renovations =$270K loan (90% LTC)
Spec Home Financing
For builders constructing speculative homes (no pre-sale required)
Why Choose Our Construction Loans?
✅ Interest-Only Payments – Pay only on drawn funds during construction
✅ Fast Approvals – Pre-approved in 72 hours
✅ No Personal Income Verification – Qualify based on project feasibility
✅ Experienced Builder Network – We connect you with trusted contractors
Construction Loan Requirements
Credit Score: 660+
Builder Experience: Licensed GC or prior projects
Reserves: 6 months of payments
Plans & Budget: Detailed construction timeline
Step-by-Step Process
Submit Plans – Architectural drawings + contractor bid
Get Approved – Underwritten in 3–5 days
Close & Break Ground – Initial disbursement at closing
Receive Staged Funds – Inspections before each draw
Types of Construction Loans
Ground-Up Construction Loans
Funds: Up to 90% of total project cost
Terms: 12–24 months (convertible to permanent loan)
Disbursements: Released in 5+ stages (foundation, framing, etc.)
Renovation Loans
Fixer-Uppers: Finance purchase + rehab in one loan
Example: Buy a 200K property+100K renovations =$270K loan (90% LTC)
Spec Home Financing
For builders constructing speculative homes (no pre-sale required)
Why Choose Our Construction Loans?
✅ Interest-Only Payments – Pay only on drawn funds during construction
✅ Fast Approvals – Pre-approved in 72 hours
✅ No Personal Income Verification – Qualify based on project feasibility
✅ Experienced Builder Network – We connect you with trusted contractors
Construction Loan Requirements
Credit Score: 660+
Builder Experience: Licensed GC or prior projects
Reserves: 6 months of payments
Plans & Budget: Detailed construction timeline
Step-by-Step Process
Submit Plans – Architectural drawings + contractor bid
Get Approved – Underwritten in 3–5 days
Close & Break Ground – Initial disbursement at closing
Receive Staged Funds – Inspections before each draw
STILL NOT SURE?
Frequently Asked Questions
We understand you might have some questions
Can I act as my own general contractor?
Yes, if you have 2+ years of experience.
Do you fund commercial projects?
Yes—retail, office, and mixed-use.
What’s the interest rate?
Interest rates vary and are fixed during the construction period.
Related Services
Specialty Financing
Purchase machinery/vehicles with loans or leases tailored to your industry.
Equipment Loans
Flexible, asset-based loans for real estate investors, bypassing traditional banks.
Divine Equity All Services
View All the services Divine Equity has to help you.
Why 500+ Clients Choose Divine Equity
Fast approvals
Flexible Funding solutions
Expert Guidance
High Approval Rates
Lets get started
1. Consult: Tell us your goals (business, property, or both)
2. Match: We align you with the right services.
3. Execute: Get funded, compliant, and operational.
© 2025 Divine Equity - All Rights Reserved,
© 2025 Divine Equity - All Rights Reserved,