--- title: New Construction Loans | Herzer Financial description: Our new construction loans for builders, developers, and homeowners are processed in-house and customized to fit your next project. --- [Skip to content](https://www.herzer.com/construction-loans#main-content) [Herzer Finanical Herzer Financial logo ](https://www.herzer.com/?hsLang=en) - [Loans ](https://www.herzer.com/construction-loans#) - [ Loans Overview ](https://www.herzer.com/loans-overview?hsLang=en) - [ Construction Loans ](https://www.herzer.com/construction-loans) - [ Fix-and-Flip Loans ](https://www.herzer.com/fix-and-flip-loans?hsLang=en) - [ Consumer Bridge Loans ](https://www.herzer.com/consumer-bridge-loans?hsLang=en) - [ Commercial Loans ](https://www.herzer.com/commercial-loans?hsLang=en) - [ Residential Rehabilitation Loans ](https://www.herzer.com/residential-rehabilitation-loans?hsLang=en) - [ Purchase Money Loans ](https://www.herzer.com/purchase-money-loans?hsLang=en) ![Golden Gate Bridge](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Golden%20Gate%20Bridge.png?width=240&height=135&name=Golden%20Gate%20Bridge.png) [ Loans Overview ](https://www.herzer.com/loans-overview?hsLang=en) Financing options for your next construction project [ Learn More ](https://www.herzer.com/loans-overview?hsLang=en) ![New Row House Construction](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/New-Row-House-Construction.png?width=240&height=135&name=New-Row-House-Construction.png) [ Construction Loans ](https://www.herzer.com/construction-loans) New construction loans for builders, developers, and homeowners [ Learn More ](https://www.herzer.com/construction-loans) ![Men examinating home renovation](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Men%20examinating%20home%20renovation.png?width=240&height=135&name=Men%20examinating%20home%20renovation.png) [ Fix-and-Flip Loans ](https://www.herzer.com/fix-and-flip-loans?hsLang=en) Fast, flexible financing for fix-and-flip projects [ Learn More ](https://www.herzer.com/fix-and-flip-loans?hsLang=en) ![A worker smiling at a desk with a laptop](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Happy-woman-with-laptop.png?width=240&height=135&name=Happy-woman-with-laptop.png) [ Consumer Bridge Loans ](https://www.herzer.com/consumer-bridge-loans?hsLang=en) Bridge loans to help you secure a new home without selling your current one [ Learn More ](https://www.herzer.com/consumer-bridge-loans?hsLang=en) ![Business owners standing in an empty new office](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Business-Owners-By-Empty-Office-Window.png?width=240&height=135&name=Business-Owners-By-Empty-Office-Window.png) [ Commercial Loans ](https://www.herzer.com/commercial-loans?hsLang=en) Financing for apartments, office, retail, and more [ Learn More ](https://www.herzer.com/commercial-loans?hsLang=en) ![A worker installing a bay window](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Man-installing-bay-window.png?width=240&height=135&name=Man-installing-bay-window.png) [ Residential Rehabilitation Loans ](https://www.herzer.com/residential-rehabilitation-loans?hsLang=en) Financing and refinance options for property improvement [ Learn More ](https://www.herzer.com/residential-rehabilitation-loans?hsLang=en) ![A couple receiving the keys to their new house](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Couple-with-new-keys-to-their-house.png?width=240&height=135&name=Couple-with-new-keys-to-their-house.png) [ Purchase Money Loans ](https://www.herzer.com/purchase-money-loans?hsLang=en) Tailored loans to fund your homeownership goals [ Learn More ](https://www.herzer.com/purchase-money-loans?hsLang=en) ![](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Ebook-cover.png?width=178&height=230&name=Ebook-cover.png) Fast-Track Success: Finance and Build Spec Homes for Profit [ Download ](https://www.herzer.com/hubfs/Herzer%20Content/Fast-Track%20Success%20How%20to%20Finance%20and%20Build%20Spec%20Homes%20for%20Profit/Herzer%20Fast-Track%20Success%20How%20to%20Finance%20and%20Build%20Spec%20Homes%20for%20Profit%20Ebook.pdf?hsLang=en) - [Who We Serve ](https://www.herzer.com/construction-loans#) - [ Borrowers ](https://www.herzer.com/borrowers?hsLang=en) - [ Brokers ](https://www.herzer.com/brokers?hsLang=en) - [ Investors ](https://www.herzer.com/investors?hsLang=en) - [ Contractors ](https://www.herzer.com/contractors?hsLang=en) - [ Deals Funded ](https://www.herzer.com/deals-funded?hsLang=en) - [Company ](https://www.herzer.com/construction-loans#) - [ About Us ](https://www.herzer.com/about?hsLang=en) - [ Meet the Team ](https://www.herzer.com/about#meet-the-team) - [Resources ](https://www.herzer.com/construction-loans#) - [ Blog ](https://www.herzer.com/blog?hsLang=en) - [ Resource Center ](https://www.herzer.com/resource-center?hsLang=en) - [ Documents ](https://www.herzer.com/documents?hsLang=en) - [ Apply for a Loan ](https://www.herzer.com/apply-for-a-loan?hsLang=en) - [ Apply to Invest ](https://www.herzer.com/apply-to-invest?hsLang=en) # Financing for Construction New construction loans customized for your next project [ Apply for a Loan ](https://www.herzer.com/apply-for-a-loan?hsLang=en) ![New-Row-House-Construction-1](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/3.%20Construction%20Loans/New-Row-House-Construction-1.jpg?width=808&height=680&name=New-Row-House-Construction-1.jpg) ![Constructor having business call](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/3.%20Construction%20Loans/Constructor%20having%20business%20call.jpg?width=800&height=800&name=Constructor%20having%20business%20call.jpg) Who We Are ## More Than a Lender The Herzer Financial construction lender dates back to the 1950s. Our founder, Fred Herzer, provided financing for some of the earliest developments of the iconic Eichler homes. We are not just a construction lender; we are a legacy of service and expertise. We work closely with specialized teams to ensure your qualifications, budget, and project scope align seamlessly, making your construction goals a reality. [ About Us ](https://www.herzer.com/about?hsLang=en) [Learn which residential construction loan is right for you. ](https://www.herzer.com/blog/right-residential-construction-loan?hsLang=en) Who We Serve ## Real People, Real Funds We're a proven partner for builders, developers, and homeowners. ![hard hat icon](https://www.herzer.com/hubfs/Herzer_2024/3.%20Construction%20Loans/hard%20hat%20icon.svg) **Builders** Seize lucrative opportunities and complete projects more efficiently with no stringent credit requirements or lengthy approval processes. ![construction site icon](https://www.herzer.com/hubfs/Herzer_2024/3.%20Construction%20Loans/construction%20site%20icon.svg) **Developers** Access capital quickly, expedite project timelines, and capitalize on profitable ventures with greater flexibility in loan terms and conditions. ![homeowner key icon](https://www.herzer.com/hubfs/Herzer_2024/3.%20Construction%20Loans/homeowner%20key%20icon.svg) **Homeowners** Get faster, more accessible financing options for builds or renovations, and get accommodations for unique credit or challenging project circumstances. Testimonials ## What Our Customers Say I have been doing business and taking out multiple construction loans with Herzer Financial over the last 10 years. As a small builder, I valued Herzers' quick loan-turnarounds, competitive rates, and personalized customer attention. Herzer staff is highly knowledgeable of the construction industry process and always delivered as promised. Mike C. ![image001 (22)](https://www.herzer.com/hs-fs/hubfs/image001%20(22).png?quality=low&width=2000&name=image001%20(22).png) Herzer Financial is able to put together complex loans, bridge loans, and fix-and-flip loans that banks either can’t or won’t do. While unpalatable for banks, they provide consistent payoffs for savvy investors. John, Investor ![Half-painted house wall facade during exterior renovations](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Painting%20house%20wall%20facade%20during%20exterior%20renovations.png?width=880&height=680&name=Painting%20house%20wall%20facade%20during%20exterior%20renovations.png) My wife and I needed a bridge loan while we put our home on the market. We were surprised to learn banks wouldn’t fund people in our situation. Herzer Financial Services made it possible to buy our new dream home without having to sell our prior home first. Homeowner/Borrower ![Mature couple hugging while moving into new house](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/1.%20Homepage/Mature%20couple%20hugging%20while%20moving%20into%20new%20house.png?width=880&height=680&name=Mature%20couple%20hugging%20while%20moving%20into%20new%20house.png) Loan Process ## Fund Your Next Project Discover the step-by-step guide to our in-house construction loan process. ![Loan-officer-working](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/3.%20Construction%20Loans/Loan-officer-working.jpg?width=800&length=800&name=Loan-officer-working.jpg) ### Underwrite and Approve We evaluate your financial qualifications and the feasibility of the construction project, including budget and plans, to ensure borrower, project, and lender alignment. This initial assessment helps determine loan terms, timelines, and the milestones for draws. Loan approval is based on these factors. [ Learn about loan underwriting principles from our Socotra partners. ](https://www.socotracapital.com/resources/blog/underwriting-private-loans-core-principles-processes?hsLang=en) ![Loan-officer-discussing-financial-papers-with-client](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/3.%20Construction%20Loans/Loan-officer-discussing-financial-papers-with-client.jpg?width=800&length=800&name=Loan-officer-discussing-financial-papers-with-client.jpg) ### Draw Loan Documents Working with you, we create, review, and finalize the loan documents that define the terms and conditions of the construction loan. Documents include the promissory note, deed of trust, interest, draw schedule, repayment schedule, and any additional agreements. ![Man with blue prints and documents](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/3.%20Construction%20Loans/Man%20with%20blue%20prints%20and%20documents.png?width=800&length=800&name=Man%20with%20blue%20prints%20and%20documents.png) ### Fund the Loan Funds will be disbursed to you in stages as construction progresses. This staged approach ensures that funds are used for their intended purpose and maintain alignment with project milestones. It also enables timely progress monitoring, budget adherence, and efficient project management. [ Avoid construction delays with a hard money loan, from our Socotra partners. ](https://www.socotracapital.com/resources/blog/how-to-avoid-construction-delays-with-a-hard-money-loan?hsLang=en) ![Man-doing-a-site-inspection](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/3.%20Construction%20Loans/Man-doing-a-site-inspection.jpg?width=800&length=800&name=Man-doing-a-site-inspection.jpg) ### Site Inspections Regular visits are made to the construction site to ensure accurate project timelines and budgets. These inspections are crucial risk management and quality assurance measures that mitigate potential issues and maintain project integrity. ![Man-managing-construction-site](https://www.herzer.com/hs-fs/hubfs/Herzer_2024/3.%20Construction%20Loans/Man-managing-construction-site.jpg?width=800&length=800&name=Man-managing-construction-site.jpg) ### Disburse Construction Draws As construction milestones are achieved, loan disbursements are made in accordance with the predetermined schedule. These draws cover project expenses and encourage steady progress, promoting a smooth construction process. Herzer Financial Blog ## Lending Insights Learn more about private real estate lending and how it can help you. [ Read Our Blog ](https://www.herzer.com/blog?hsLang=en) ![A person sitting at a desk writing on documents. A hard hat, laptop, and measuring tape are placed on the desk. ](https://www.herzer.com/hs-fs/hubfs/Herzer%20Blog%20Images/Herzer%20Blog%2033%20-%20Can%E2%80%99t%20Find%20Your%20Dream%20Home%3F%20Build%20It%20Yourself.png?width=768&height=512&length=768&name=Herzer%20Blog%2033%20-%20Can%E2%80%99t%20Find%20Your%20Dream%20Home?%20Build%20It%20Yourself.png) For Borrowers ### Can’t Find Your Dream Home? Build It Yourself [Read More](https://www.herzer.com/blog/build-dream-home?hsLang=en) ![Investor examining the benefits of investing in hard money construction loans on a tablet](https://www.herzer.com/hs-fs/hubfs/Herzer%20Blog%20Images/Blog%20%2331%20Should%20I%20Invest%20in%20Hard%20Money%20Construction%20Loans%3F.png?width=768&height=512&length=768&name=Blog%20%2331%20Should%20I%20Invest%20in%20Hard%20Money%20Construction%20Loans?.png) For Investors ### Should I Invest in Hard Money Construction Loans? [Read More](https://www.herzer.com/blog/should-invest-construction-loans?hsLang=en) ![Financial professional explaining the benefits of alternative investments to her client](https://www.herzer.com/hs-fs/hubfs/Blog%20Images/Exploring%20Alternative%20Investments%20for%20Diversified%20Portfolios%20Blog%20Image.png?width=768&height=512&length=768&name=Exploring%20Alternative%20Investments%20for%20Diversified%20Portfolios%20Blog%20Image.png) For Investors ### Exploring Alternative Investments for Diversified Portfolios [Read More](https://www.herzer.com/blog/exploring-alternative-investments?hsLang=en) ![Investor learning about the benefits of real estate debt funds](https://www.herzer.com/hs-fs/hubfs/Herzer%20Blog%20Images/Decoding%20Real%20Estate%20Debt%20Funds%20A%20Quick%20Guide%20Blog%20Image.png?width=768&height=512&length=768&name=Decoding%20Real%20Estate%20Debt%20Funds%20A%20Quick%20Guide%20Blog%20Image.png) For Investors ### A Quick Guide to Decoding Real Estate Debt Funds [Read More](https://www.herzer.com/blog/decoding-debt-funds?hsLang=en) ![An accessory dwelling unit (ADU) on a lush green property. ](https://www.herzer.com/hs-fs/hubfs/Herzer%20Blog%20Images/Blog%20%2332%20What%20Is%20an%20ADU%3F.png?width=768&height=512&length=768&name=Blog%20%2332%20What%20Is%20an%20ADU?.png) Residential Real Estate ### What Is an ADU? [Read More](https://www.herzer.com/blog/what-is-adu?hsLang=en) ![Investor standing by window with a laptop, learning why diversification is important.](https://www.herzer.com/hs-fs/hubfs/Herzer%20Blog%20Images/Herzer%20-%20Why%20Diversification%20is%20Important%20to%20Your%20Investment%20Strategy%20Blog%20Image.jpeg?width=768&height=512&length=768&name=Herzer%20-%20Why%20Diversification%20is%20Important%20to%20Your%20Investment%20Strategy%20Blog%20Image.jpeg) For Investors ### Why Diversification Is Important to Your Investment Strategy [Read More](https://www.herzer.com/blog/why-diversification-is-important-investment-strategy?hsLang=en) Ready to Get Funded? ## Apply Today! ### Complete the form below. Our loan officer will be in touch shortly to discuss your options. [![Herzer logo](https://www.herzer.com/hubfs/Herzer_2024/logo-herzer-blue-2.svg "Herzer logo")](https://www.herzer.com/?hsLang=en) [ Contact Us ](https://www.herzer.com/apply-for-a-loan?hsLang=en) [ Apply for a Loan ](https://www.herzer.com/apply-for-a-loan?hsLang=en) [ Apply to Invest ](https://www.herzer.com/apply-to-invest?hsLang=en) [ +1 (650) 363-8003 ](tel:+16503638003) [ 2714 V St Sacramento, CA 95818 ](https://www.google.com/maps/place/2714+V+St,+Sacramento,+CA+95818/data=!4m2!3m1!1s0x809ad0f1bfe9367f:0xc5ff42e3be807c8?sa=X&ved=1t:242&ictx=111) ### Join Our Mailing List Follow Us [Loan Overview ](https://www.herzer.com/construction-loans#) - [ Construction Loans ](https://www.herzer.com/construction-loans) - [ Fix-and-Flip Loans ](https://www.herzer.com/fix-and-flip-loans?hsLang=en) - [ Consumer Bridge Loans ](https://www.herzer.com/consumer-bridge-loans?hsLang=en) - [ Consumer Purchase or Refinance Loans ](https://www.herzer.com/consumer-purchase-or-refinance-loans?hsLang=en) - [ Commercial Loans ](https://www.herzer.com/commercial-loans?hsLang=en) - [ Residential Rehabilitation Loans ](https://www.herzer.com/residential-rehabilitation-loans?hsLang=en) - [ Purchase Money Loans ](https://www.herzer.com/purchase-money-loans?hsLang=en) [Who We Serve ](https://www.herzer.com/construction-loans#) - [ Borrowers ](https://www.herzer.com/borrowers?hsLang=en) - [ Brokers ](https://www.herzer.com/brokers?hsLang=en) - [ Investors ](https://www.herzer.com/investors?hsLang=en) - [ Contractors ](https://www.herzer.com/contractors?hsLang=en) [Company ](https://www.herzer.com/construction-loans#) - [ About Us ](https://www.herzer.com/about?hsLang=en) - [ Meet the Team ](https://www.herzer.com/about#meet-the-team) [Resources ](https://www.herzer.com/construction-loans#) - [ Blog ](https://www.herzer.com/blog?hsLang=en) - [ Resource Center ](https://www.herzer.com/resource-center?hsLang=en) Copyright © 2026 Herzer Financial Group - [Privacy Policy](https://www.herzer.com/privacy-policy) Real Estate Broker — California Dept. of Real Estate License #00417082 Loans are made or arranged pursuant to a California Finance Lender's License #6054500 Nationwide Mortgage Licensing System #314253