EZ Construction Loan offers construction loans from $100,000.00 to $750,000.00 against or to build real estate anywhere in northern California. Apply online now for up to 60% of the projected future completion value of your dream home in first position, paid for or not, finished or not, or at any stage of construction. Call now for a quote for our EZ Construction Loan low private money construction loan rates.

Northern California ONLY PLEASE! No appraisal fees in (western Nevada County, CA only) No prepayment penalties No document construction loan No credit report fees No income verifications Quickly tentatively approve yourself online NOW! (Some restrictions apply)

Typical fees & points

Title & Escrow fees:

• Title fees (title document fee, recon, recording, ALTA lender's title coverage, escrow fee, draw processing fees)

Loan origination fees:

• Loan points (loan doc fee, draw inspection fees if out of our area)
  

Interest charged on draws held:

• Interest is charged on the full loan amount of your construction loan including the part of your loan proceeds held for draws or work to be completed.
  
• Our program requires that our private lender deposit the full amount of your loan prior to close to be placed in an escrow account for you by the title company which insures that your funds will always be there ready and waiting for you (along with all accrued interest accumulated at the pass book rate) whenever you're ready for your next draw (even if I got hit by a truck tomorrow).

Loan Example

Construction loan details: $136,000.00 no doc/no qualifier. One year construction loan to build a 1547 sq ft home on a quarter acre (on file in our office). Interest rate 10% per annum. Appraised at $250K.
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Title fees:

Loan amount:	$ 136,000.00
Interest pro ration (to the 5th of next mo.)	$ 113.33
Fire insurance premium	$ 584.00
Escrow fee	$ 345.30
Title insurance	$ 604.00
Document prep (title)	$ 200.00
Foundation endorsement (title)	$ 113.25
ALTA inspection	$ 150.00
Construction draw processing/title (5 @ $50.00 ea.)	$ 250.00
Recording fees	$ 49.00
UCC1 filing fee to Sec. of State	$ 10.00
Recon' fee (original title co to remove old loan from land)	$ 65.00


EZ Construction Loan origination fees:

Loan fee (4 points):	$ 5,440.00
Loan document fee	$ 250.00
Inspection fees (our inspector's travel time will be charged on all loans out of our immediate area)