Flexible Financing for Ground-Up Builds and Major Renovations
Turning a blueprint into reality takes more than vision — it takes capital you can rely on. Traditional banks often move too slowly or impose rigid requirements that don’t fit the fast-paced world of real estate development. That’s why MOR Financial offers Construction Loans designed specifically for active investors and builders. Whether you’re developing a new residential property, adding multi-family units, or taking on a large-scale renovation, we provide the flexible, short-term funding you need to complete your project with confidence. With streamlined approvals, reliable private capital, and a team that understands the unique demands of construction financing, MOR helps you keep projects moving forward — from foundation to final sale or refinance.
Why Choose MOR Financial for Construction Loans?
Financing a construction project requires more than just money — it requires a lender who understands the unique challenges of building, renovating, and bringing a property to market. At MOR Financial, we’ve built our construction loans around the needs of active investors and developers who want speed, flexibility, and certainty. Here’s why investors choose us:
Fast, Reliable Capital
Construction projects can’t wait on bank committees. With MOR, you can secure approvals quickly and fund within days, not months.
Tailored Loan Structures
Every project is different. We design loan terms that align with your scope, timeline, and exit strategy, whether it’s a ground-up build or a major renovation.
Draws That Keep You Moving
Rehab and construction budgets are released in scheduled draws based on progress, so you always have the liquidity to keep crews working and materials flowing.
Local Market Expertise
As a California-based lender, we understand the region’s permitting challenges, construction timelines, and investor landscape — giving you more than just capital, but informed guidance.
A True Lending Partner
At MOR, we’re focused on long-term relationships. We don’t just fund projects — we help investors and developers scale their businesses with consistent, dependable financing.
How the Construction Loan Process Works
At MOR Financial, we make construction financing straightforward. We know you don’t have time for endless paperwork or drawn-out approvals, so we’ve built a process that gives you clarity and speed at every step.
Submit Your Project Details
Receive Preliminary Terms
Simplified Loan Process
Funding and Initial Draw
Build, Complete, and Exit
Who Construction Loans Are For
MOR Financial’s Construction Loans are designed for active real estate investors and developers who need short-term, reliable financing to bring projects from concept to completion. If you’re building, expanding, or undertaking major renovations, this program is built with you in mind. Our construction loans are ideal for:
- Ground-Up Builders
Investors and developers constructing new residential properties, multi-family units, or mixed-use projects.
- Experienced Renovators
Active investors taking on heavy rehab projects, structural changes, or large-scale property repositioning.
- Developers Needing Interim Financing
Those waiting for long-term financing or sale proceeds who need immediate capital to keep projects moving.
- Small to Mid-Sized Builders
Builders who may not meet traditional banks’ rigid requirements but still need competitive, structured financing.
- Investors Growing Portfolios
Professionals looking to scale with reliable funding for multiple projects across California.
Frequently Asked Questions
Find quick answers to common questions about loans, rates, and application processes.
What types of projects qualify for a construction loan with MOR?
MOR provides construction loans for a wide range of investment projects, including ground-up residential builds, multi-family properties, mixed-use projects, and major renovation or redevelopment deals. These loans are strictly for investment purposes, not owner-occupied homes.
How much of the project cost can MOR finance?
We typically finance up to 70–75% of loan-to-cost (LTC) and up to 65–70% of the after-construction value (LTV/ARV). Each deal is evaluated individually, with terms tailored to your project scope and exit strategy.
How are construction funds disbursed?
Funds are released through a draw schedule tied to project milestones. After the initial funding at closing, additional draws are provided as work is completed and verified, ensuring you always have the liquidity to keep progress moving.
What is the typical loan term for a construction loan?
MOR’s construction loans are short-term solutions, usually ranging from 12 to 24 months, with extensions available depending on the project and market conditions.
How fast can I close on a construction loan?
With complete documentation and project details, many loans can close in as little as 5–7 business days. Preliminary terms are typically issued within 24–48 hours of submission.
Do I need prior construction experience to qualify?
Experience is always helpful, but it’s not required. Our underwriting focuses on the strength of the deal, the property, and the viability of your exit strategy. First-time builders and seasoned developers alike can qualify with a solid plan in place.
Take your first steps toward business success with us
Get pre-approved for a private loan from MOR Financial
