New Construction Financing
Finance 1 to 4 homes at a time with rates starting under 8% — and pay no interest or lender points until each home is built and sold. Designed to beat what most builders are being offered today, available to qualified builders in 47 states and Washington, D.C.
It's structured around how builders actually work — protect your cash while you build, and settle up when the home sells.
You pay no interest and no lender points during construction — both are settled at closing when the home sells, out of the sale proceeds. Combined with high loan-to-cost leverage, that means far less of your own money is needed to get a build started. (Your equity contribution and standard closing costs still apply.)
Pricing built to compete with — and beat — what experienced builders see elsewhere, with loan-to-cost as high as 100% for qualified builders and terms that scale as your track record grows.
Run multiple projects in parallel under one financing relationship — ideal for builders cycling through several spec or pre-sold homes a year.
A straightforward path from application to payoff.
Share your build experience and the project. We confirm fit and size the financing for 1–4 homes.
Funds are released in stages as construction progresses — no full balance sitting idle.
No interest payments and no lender points come due during construction. You focus on finishing the home.
Interest and lender points are settled at closing when the home sells. Then do it again.
This program is designed for experienced builders, not first-timers.
Built for builders with a track record of completed, sold homes — the stronger your history, the higher your leverage and the better your pricing. Newer builders can still qualify at lower advance rates.
Single-family new construction, whether you're building on spec or already have a buyer under contract.
Available to qualified builders across 47 states and Washington, D.C., with financing up to $4 million per home.
Get a no-obligation term sheet for your project — usually within one business day.
No — interest and lender points aren't charged during construction. Both are paid at closing when the home sells, out of the proceeds. Standard costs like your equity contribution and closing costs still apply.
The program supports 1 to 4 homes at a time under a single financing relationship, so you can run several projects in parallel.
Pricing starts under 8% for qualified, experienced builders. Your exact rate depends on your track record, the project, and underwriting.
Financing is available to qualified builders in 47 states and Washington, D.C.
A quick conversation about your build history and the project. Start your application online or call 914.419.3059, and we'll follow up — typically within one business day.
*Rates, points, loan amounts, and terms are illustrative, vary by borrower and project, and are subject to credit, property, and underwriting approval. This page is for informational purposes only and is not a commitment to lend or an offer to extend credit. "No interest or points until built and sold" describes the program's payment timing; specific terms are set in your loan documents. NTIB Finance & Consulting arranges financing through third-party lenders.