Construction Loans in Las Vegas

Building your dream home or developing a commercial property requires specialized financing that traditional mortgages cannot provide. Las Vegas Premier Business Loans connects builders, developers, and property owners with construction loans designed specifically for ground-up projects, major renovations, and custom developments throughout the Las Vegas valley.

Our team specializes in construction financing solutions that provide the flexibility and structure needed for successful project completion. Whether you need new construction loans for custom homes, commercial construction loans for business developments, or construction to permanent loan programs that streamline the building process, we work with specialized lenders who understand construction project timelines and funding requirements.

Benefits of Our Construction Loan Services

Our specialized knowledge ensures you receive appropriate financing structures for your specific project type.

Experienced Construction Lenders

We work exclusively with lenders who specialize in construction loans and understand the unique risks and requirements of building projects. Our lender relationships provide access to competitive rates and flexible terms not available through traditional mortgage companies.

Flexible Draw Schedules

We help structure draw schedules that align with your construction timeline and cash flow needs, ensuring funds are available when needed for materials, labor, and subcontractor payments. Most programs offer 4-6 scheduled draws tied to specific construction milestones and third-party inspections.

Local Building Expertise

Our deep knowledge of Las Vegas construction markets, permit processes, and building codes helps expedite loan approvals and project launches. We understand local contractor networks and can recommend qualified professionals when needed.

Construction Financing Programs

We offer comprehensive construction loan solutions through lenders who specialize in different types of building projects and development strategies. Our approach focuses on matching your construction goals with appropriate financing structures and draw schedules.

Single-Family Construction Loans

We arrange residential construction loans for custom homes, spec houses, and single-family developments throughout Las Vegas and surrounding communities. These loans typically require 20-25% down payments with interest-only payments during the construction phase.


Funds are released in scheduled draws based on construction milestones verified by independent inspectors. New construction loans for single-family homes often convert to permanent mortgages upon completion, eliminating the need for separate financing applications.

Multi-Family Development Financing

Our multi-family construction financing helps developers build apartment complexes, townhomes, and condominium projects with 5 or more units. These programs require detailed market studies, pre-sales commitments, and experienced development teams with proven track records.


Construction draws are tied to specific completion percentages and third-party inspections to ensure quality and timeline compliance. Multi-family construction projects often qualify for permanent financing conversion with favorable long-term rates upon stabilized occupancy.

Commercial Construction Loans

We provide commercial construction loans for office buildings, retail centers, warehouses, and industrial facilities serving Las Vegas businesses. Commercial construction financing requires comprehensive project budgets, qualified general contractors, and often pre-leasing commitments from anchor tenants.


These loans typically offer 18-36 month construction terms with options to convert to permanent construction to permanent loan structures. Interest rates during construction are usually variable, converting to fixed rates upon project completion and occupancy.

Types of Construction Projects We Finance

We arranges construction financing for all major building categories with specialized programs tailored to each project type's unique requirements. Our lender network ensures appropriate financing regardless of construction complexity or project scope.

Custom Residential Homes

We finance custom home construction for owner-occupied residences throughout Las Vegas, Henderson, Summerlin, and other desirable communities. Custom home construction loans require detailed architectural plans, qualified builders, and realistic budgets based on current material and labor costs.

Spec Home Development

Our spec home specialists arrange financing for builders constructing homes for immediate sale in established and developing Las Vegas neighborhoods. Spec home construction requires market analysis, comparable sales data, and realistic absorption projections to support project feasibility.

Mixed-Use Developments

We provide financing for mixed-use projects combining residential, retail, office, and hospitality components in integrated developments. Mixed-use commercial construction loans require complex feasibility analysis, market studies for each component, and often phased construction and financing structures.

Frequently Asked Questions

  • How do construction loan draws work during building?

    Construction loans typically provide funds through 4-6 scheduled draws tied to specific completion milestones like foundation, framing, and roofing. An independent inspector verifies completion before each draw, and funds are usually available within 2-3 business days after approval.

  • What interest rate can I expect on a construction loan?

    Construction financing rates are typically 1-3% higher than permanent mortgage rates and are usually variable during construction. Current rates range from 7-12% depending on project type, borrower qualifications, and loan program selection.

  • How long do I have to complete my construction project?

    Most construction loans provide 12-18 months for completion, with some commercial projects allowing up to 24-36 months. Extensions may be available but often include additional fees and rate adjustments.

  • Can I act as my own general contractor with an owner builder loan?

    Yes, owner builder construction loans are available for experienced builders who want to manage their own construction projects. These loans typically require higher down payments and demonstrated construction experience or professional qualifications.

  • What happens when construction is completed?

    Many construction-to-permanent loan programs automatically convert to permanent mortgages upon completion and occupancy. Other programs require separate permanent financing applications, which we help coordinate to ensure smooth transitions from construction to permanent loans.