Construction Loans in Irvine, CA

Construction property financing from Hard Money Lenders of Irvine funds ground-up builds and major renovations across Orange County. We evaluate the project's end value and your builder experience, not just current land or property value. Draw-based funding releases capital as construction progresses. Inspections typically scheduled within 48 hours. Interest-only during the build. Perm-to-perm options for seamless transition to permanent financing. Single-family spec, small multifamily, and commercial construction all qualify. Irvine, Lake Forest, Mission Viejo, Santa Ana, and throughout Orange County.

Construction Loans Loan Features

• Up to 80% of costs

• Draw-based

• Interest-only during build

• Perm-to-perm available

We provide hard money loans for properties throughout Irvine, Newport Beach, Costa Mesa, Santa Ana, Huntington Beach, Laguna Beach, and all of Orange County. Whether you're acquiring, refinancing, or renovating, we have the local expertise to structure the right loan for your project. Our team understands Orange County's diverse property markets—from Irvine's master-planned communities to Newport Beach's coastal properties and Santa Ana's value-add opportunities.

Eligible Property Types

• Ground-up single-family

• Small multifamily construction

• Commercial build-out

• Major renovation projects

• Spec and custom builds

• Properties in California