Construction or Land Development Loans

Let Hopkins Help You Build or Develop Your Property

Hopkins Financial Services offers private financing for residential or commercial construction projects—as well as land development, such as building out a residential subdivision.

Every project is unique, so we encourage you to contact us to discuss your specific needs and goals.

How it Works:

Loans are secured by the real estate (land and/or improvements).

We evaluate total project costs, including:

  • Land acquisition
  • Soft costs (permits, fees, planning, etc.)
  • Hard construction/development costs

We do not offer 100% financing.
Because we lend when conventional banks won’t, we require that borrowers have sufficient equity—what we call “skin in the game.”

  • Typically, we require a minimum borrower investment of 20% of the total project cost.

Exact requirements vary based on your experience, credit, location, and project type

Construction funds are held in escrow and disbursed in phases as work is completed and inspected.

These loans are ideal for borrowers who:

  • Need to close quickly while waiting on long-term financing
  • Have a strong project, but don’t meet traditional bank requirements for experience or credit
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Key Features

Short-Term: Typically 12–24 months
Higher Interest Rates: Reflecting construction risk and short-term nature
Flexible Repayment: Usually interest-only, with a balloon payment at the end of the term
Fast Funding: Often faster than traditional bank loans
Funds Are Escrowed: Released As Work is Completed

Whether you’re building a new commercial space or developing residential lots, Hopkins Financial may be able to help you move forward when banks say no.

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