It is possible to finance a construction project 100 percent with creative financing! If you want to borrow private money for new home construction or to buy a home you have come to the right place. Our construction loans are based on private money which makes them easy to get. 100% construction financing is possible if :

• You have a northern California home (or lot) in escrow ready to buy (or build on) that we can secure our loan against in first position at close even if you haven't bought it yet. This is because we can arrange real estate loans based primarily on equity. Even future equity!

• Our total loan can never exceed 60% LTV on new construction, home improvement loans or 60% of the purchase price (of an existing home that you want to buy). This is because private investors can approve your loan request based primarily on real estate equity with little or no red tape. (Sometimes 50% LTV on spec home construction loans and 25% to 35% LTV on land loans).

• You have to build a house where you are going to do a lot of the work yourself and act as your own contractor, or buy a house where the seller will finance some (or all) of the down payment or have 40% of the purchase price (in cash or in loan(s) from the seller or someone else) to put down on the purchase.

Example of a no money down loan:

Example of a no money down loan:

* Here is an example of how Fred used an E-Z Loan to buy his first home with no money down. Fred found a house he liked for $200K where the seller was willing to carry $100K in second position. We arranged a $100K first loan for Fred and he bought the house with no money down.

* Here is an example of how Mark built his dream home with little or no down payment. Mark found a nice 5 acre parcel for $100K where the seller would carry the purchase price and subordinate to our construction loan. Mark obtained a $200K construction Loan from EZ Construction Loan in first position with draws and used the seller's equity to finance his startup costs (foundation and permits). The EZ Construction Loan paid for the remainder of the construction through draws as worked progressed. Mark built the house with no money down and refinanced it 2 years later and paid his first and second loans off with a new 30 year mortgage.

So what are you waiting for? You are already tentatively approved for a loan of up to 60% of your new home's value or purchase price!