Construction Loans

Why Builders Choose Legacy’s Construction Financing

Our comprehensive, builder-first approach is a profitable and flexible alternative to traditional bank lending—built specifically for experienced builders and developers.

More Than Just Loans—Real Tools for Builder Profitability

Discover how our innovative lending solutions outperform traditional bank financing.

All-in-One Horizontal + Vertical Financing

Develop more. Build faster. Scale smarter. We provide both land development (horizontal) and vertical construction financing—allowing builders to create captive lot inventory and control the full pipeline from dirt to doors.

Product Overview

Vertical Construction Loan

Residential construction financing that fits your blueprint. We finance 1–4 unit single-family homes, townhomes, and condos that are separately platted and titled—ideal for builders needing flexibility beyond the limits of traditional banks.

Product Overview

Build-to-Rent Program

Build to rent with long-term strategy in mind. Interim financing tailored for experienced BTR builders—paired with optional stabilization solutions for your exit strategy.

Product Overview

Bridge Loans for Flexibility

Unique projects need custom solutions. Our bridge loans provide short-term capital for specialized situations, helping you stay agile and take advantage of timely opportunities.

Product Overview

Forward Commitments & Rate Buydowns

Lock in rates. Stand out from the competition. We offer forward commitments to hedge interest rate risk and custom rate buydown structures to help you close more sales and boost profitability.

Discounted Materials Program

Cut costs without cutting corners. Access pre-negotiated building material packages with 10–15% discounts when using our vertical construction financing. Some packages may include credits toward construction costs.

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Spec Flexibility & Full Buyer Preapprovals

We say yes where banks say no. More flexibility on spec homes and loan-to-cost ratios—plus full preapprovals on permanent financing for your buyers to help move inventory faster.

Application for Your Buyers

Profit-Boosting, Risk-Reducing Strategy

Boost your bottom line while mitigating risk. Legacy combines innovative interim construction financing with permanent financing support to help you increase margins and reduce market volatility.

Schedule an Appointment

Getting Started Is Simple- Here's What It Looks Like

We make the process clear, fast, and builder-friendly.

1. Strategic Builder Consultation

One-on-one consulting designed to help experienced builders increase profitability—even in a volatile market.
We work with you directly to identify hidden margins and optimize your financial structure.

2. Simple Intake to Get Started

Complete a quick form to begin. Once received, our team mobilizes quickly to review your needs and outline viable loan structures tailored to your project.

3. Preliminary Term Sheet

We’ll present a possible term sheet for discussion—no commitment required.
This gives you a clear sense of structure, terms, and flexibility up front.

4. Full Application + Builder History Review

If you’re ready to move forward, you’ll complete a full loan application.
We evaluate your last 18–24 months of experience—but also listen to your full story. Our goal is to find solutions, not reasons to say no.

Trusted Partners in Construction

Trusted by our satisfied clients

Great customer service and quick to respond.

Great experience! Process was very smooth and painless. Thank you!

Great customer service! Everyone was helpful and quick to respond.