Construction Loan in Irvine, CA

Construction loans from Hard Money Lenders of Irvine fund ground-up builds and major renovations across Orange County. Whether you're developing a spec home in Irvine's master-planned communities, building a small multifamily in Santa Ana, or executing a major renovation in Newport Beach, our draw-based construction loans provide the capital to get projects built. We fund based on projected end value and builder experience, not just appraisals and paperwork. Draws are released as work completes, with inspections typically scheduled within 48 hours. Perm-to-perm options available for builders who need to transition from construction to permanent financing.

Key Benefits of Construction Loan

• Draw-based funding as work completes

• Fund based on end value, not just cost

• Perm-to-perm for seamless transition

• Interest-only during construction

• Experienced builder relationships

Hard Money Lenders of Irvine serves real estate investors throughout Irvine, Newport Beach, Costa Mesa, Santa Ana, Huntington Beach, and all of Orange County. Our local team understands the market dynamics, permit processes, and investment opportunities that drive successful deals in the region.

Typical Requirements

• Property in California

• Plans, permits, and budget

• Builder/contractor experience

• Clear exit strategy

Who We Lend To

We work with experienced real estate investors, contractors, developers, fix-and-flip specialists, and property owners throughout Orange County. Whether you're acquiring your first investment property or scaling your portfolio, our asset-based approach focuses on the property and the deal—not your W-2 or tax returns.