(415) 390-6750   
(415) 390-6750   
 
 
 

Construction Loan Programs

Pacific Financial Group understands the importance of finding the right type of construction financing to see your residential or commercial project through to completion. We are pleased to offer a wide range of construction loan programs from which to choose so you are assured of finding one that is best suited to meet your particular needs. Whether it’s building your primary home or developing a residential or commercial investment property, we have limitless options from which to choose.

We offer a one-time close residential construction loan program to assist home owner’s build their primary residence, and are proud to be working alongside our strategic partners to help California residents rebuild homes lost to the devastating California wildfires.

One-Time Close Residential Construction Loan Program:

  • Construction to perm 15-year fixed loan w/ rates starting in low to mid 4’s (eliminates interest rate risk in a rising rate environment)
  • Construction term is 18-24 months (interest-only based on total amount of principal advanced); remaining term is fixed for remainder of term (or 13 to 14 years)
  • Once home is completed, construction loan converts to permanent financing; no re-qualification is required
  • Borrower can forward rate lock up to 6 months prior to expected construction start date (rate lock deposit is fully refundable at loan funding)
  • Loan amounts from $250,000 to $4,000,000
  • For loans that are $2 million or less, loan program allows for up to 80% LTV (based on estimated value of home at completion, not cost to build); for larger loan amounts, the LTV will be scaled lower
  • Expanded qualifying debt to income ratios up to 55% is available
  • Program is designed for borrowers who will occupy home as their primary residence
  • Easy loan process with support from experienced team of loan processors and underwriters
  • No banking relationship or deposits are required

Click here to obtain a loan quote or contact us at (415) 390-6750 to discuss your particular loan scenario.

Pacific Financial Group understands the importance of finding the right type of construction financing to see your residential or commercial project through to completion. We are pleased to offer a wide range of construction loan programs from which to choose so you are assured of finding one that is best suited to meet your particular needs. Whether it’s building your primary home or developing a residential or commercial investment property, we have limitless options from which to choose.

We offer a one-time close residential construction loan program to assist home owner’s build their primary residence, and are proud to be working alongside our strategic partners to help California residents rebuild homes lost to the devastating California wildfires.

One-Time Close Residential Construction Loan Program:

  • Construction to perm 15-year fixed loan w/ rates starting in low to mid 4’s (eliminates interest rate risk in a rising rate environment)
  • Construction term is 18-24 months (interest-only based on total amount of principal advanced); remaining term is fixed for remainder of term (or 13 to 14 years)
  • Once home is completed, construction loan converts to permanent financing; no re-qualification is required
  • Borrower can forward rate lock up to 6 months prior to expected construction start date (rate lock deposit is fully refundable at loan funding)
  • Loan amounts from $250,000 to $4,000,000
  • For loans that are $2 million or less, loan program allows for up to 80% LTV (based on estimated value of home at completion, not cost to build); for larger loan amounts, the LTV will be scaled lower
  • Expanded qualifying debt to income ratios up to 55% is available
  • Program is designed for borrowers who will occupy home as their primary residence
  • Easy loan process with support from experienced team of loan processors and underwriters
  • No banking relationship or deposits are required

Click here to obtain a loan quote or contact us at (415) 390-6750 to discuss your particular loan scenario.

We offer a variety of real estate financing options for various property types.

Financing Options:

  • Fixed/Term
  • Adjustable
  • Bridge Loans
  • Construction/Rehab
  • Home Equity Line
  • CRE Line of Credit
  • Mezzanine Loans
  • SBA Loans

Property Types:

  • Apartments (5+ Units)
  • Hotel/Motel
  • Industrial
  • Mini-Storage
  • Land
  • Mobile Home Parks
  • Senior Housing
  • Student Housing
  • Mixed-Use
  • Office
  • Owner-Occupied
  • 1-4 Residential
  • Retail
  • Shopping Centers
  • Single-Tenant  

Sources of Capital:

  • Life Insurance Companies
  • Wall Street Investment Banks
  • Regional & Local Banks
  • Agency Loans
  • Credit Unions
  • Private Money

We offer a variety of real estate financing options for various property types.

Financing Options:

  • Fixed/Term
  • Adjustable
  • Bridge Loans
  • Construction/Rehab
  • Home Equity Line
  • CRE Line of Credit
  • Mezzanine Loans
  • SBA Loans

Property Types:

  • Apartments (5+ Units)
  • Hotel/Motel
  • Industrial
  • Mini-Storage
  • Land
  • Mobile Home Parks
  • Senior Housing
  • Student Housing
  • Mixed-Use
  • Office
  • Owner-Occupied
  • 1-4 Residential
  • Retail
  • Shopping Centers
  • Single-Tenant  

Sources of Capital:

  • Life Insurance Companies
  • Wall Street Investment Banks
  • Regional & Local Banks
  • Agency Loans
  • Credit Unions
  • Private Money

Pacific Financial Group, Four Embarcadero Center, Suite 1400, San Francisco, CA 94111 
  T: (415) 390-6750 | F: (888) 988-9434  |  info@pacfigroup.com

  Pacific Financial Group, All Rights Reserved.



 
 

CA Insurance license Samuel A. Shummon #0I49823.
Real Estate Broker – CA Bureau of Real Estate – Cal BRE #0129501 – NMLS #328979
Pacific Bay Lending, Inc.  – CA Bureau of Real Estate – Cal BRE #01874818 – NMLS #318011
www.nmlsconsumeraccess.org

 Made in the U.S.A. | Privacy Statement



Equal Fair Housing

Pacific Financial Group, Four Embarcadero Center, Suite 1400, San Francisco, CA 94111 
  T: (415) 390-6750 | F: (888) 988-9434  |  info@pacfigroup.com

  Pacific Financial Group, All Rights Reserved.



 
 

CA Insurance license Samuel A. Shummon #0I49823.
Real Estate Broker – CA Bureau of Real Estate – Cal BRE #0129501 – NMLS #328979
Pacific Bay Lending, Inc.  – CA Bureau of Real Estate – Cal BRE #01874818 – NMLS #318011
www.nmlsconsumeraccess.org

 Made in the U.S.A. | Privacy Statement



Equal Fair Housing