Construction Loan | Rochester, New York
Starting from scratch? If you’re an investor, developer, or builder working in new construction, we’re here to support you and your projects, no matter the size or scope.
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From land acquisition to financing building materials, we have the means to make your property come to life.
Let us help you build your future.

All About Our Rochester Construction Loans

  • Ideal for build-ready infill, tear down, and spec homes
  • Not for tract homes or subdivisions (10+ homes)
  • Mid-construction[17] options available
  • Loans available for single family and multi-family properties
  • SFR + Detached Additional Dwelling Unit (DADU)
  • 12 or 18 month loans terms

New Construction Loans

LOAN PURPOSE New construction projects
INTEREST RATE[1] Rates as low as 9.95%
LOAN AMOUNT $300K to $20MM
LOAN TERM 12 months
BORROWER TYPE Individual or group
EXPERIENCE Based on prior 36 months
MAX LOAN-TO-VALUE (LTV)[7] 65 to 70%
MAX LOAN-TO-COST (LTC)[8] 80 to 85%
LTV VS. LTC We use the best calculation for your project
CONSTRUCTION FINANCING Up to 100%
PROPERTY TYPE
  • Single Family Residences (SFR)
  • Detached Additional Dwelling Unit (DADU)
  • 2 to 4 unit properties
  • Multi-family 5-20 unit properties
  • Mixed-use
  • Townhouses
  • Condos [15]

Discover How a Rochester Construction Loan Can Work for You

  • We can assist with land acquisition when needed.[10]
  • We can help with multiple properties at the same time.[11]
  • We will thoughtfully advise and lead you through the entire process, answering all the questions you have along the way.

Rochester,
Construction Loan Data

City, State Rochester, New York
Population 205,695
Map Coordinates 43.16°N 77.61°W
Median Home Price $87,000
Housing Units Owner Occupied 31,074
Housing Units Renter Occupied 56,605
Hard Money Loan Volume $141,806,133.00
Rental Property Loan Volume $174,421,543.59
Bridge Loan Volume $49,632,146.55
Fix & Flip Loan Volume $107,772,661.08

About Our Rochester,
Construction Loans

ABOUT OUR CONSTRUCTION LOANS
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