Ground-Up Construction Loans in Phoenix AZBuild From the Ground Up in Phoenix
Ready to build something new in the Valley? Whether it's a small multifamily project, a retail pad, an industrial building, or a spec development, I'll help you finance it from the ground up. Ground-up construction financing is its own animal, and I've spent years helping Phoenix investors and developers structure the right loan, draw schedule, and budget so your project actually pencils. I'll shop your deal across construction lenders and private capital, walk you through loan-to-cost, and keep the money flowing as you build. From your first lot purchase to your certificate of occupancy, I'll be in your corner the whole way.
- 10+ Years Experience
- 1000+ Families Helped
- $500M+ in Loan Volume Closed
- Backed by the Nation's #1 Mortgage Brokerage
- License NMLS# 1455718
When You Need Ground-Up Construction Loans
Ground-up construction loans are for investors and developers who are building a brand-new property rather than buying an existing one. You might need this financing if you own or are acquiring raw or entitled land in Phoenix, Mesa, Chandler, or the surrounding Valley and are ready to break ground on a commercial, multifamily, mixed-use, industrial, or investment project. It's the right fit when you have plans, a budget, and a builder lined up but need capital to cover hard and soft costs through completion. This also works for owner-users constructing a building for their own business, developers building spec product to sell or lease, and investors adding to a rental portfolio. If your project involves phased draws tied to construction milestones, a ground-up loan is built exactly for that.
Our Ground-Up Construction Loans Process
It starts with a quick call or text so I understand your project, your experience, and your timeline. From there, I'll review the deal, your land, plans, budget, and pro forma, and tell you honestly what it takes to get financed. I'll shop it across construction lenders and capital sources, then bring you a term sheet with the loan-to-cost, draw schedule, interest reserve, and rate spelled out. Once you pick a direction, my team handles the appraisal, budget review, and paperwork so you're not chasing documents. Construction deals move on their own clock, but I push to keep things tight and set clear expectations up front. You'll get updates at every step, and I'm reachable when questions come up. When it's time to draw, I'll help you manage inspections and disbursements too.
Ground-Up Construction Loans Cost in Phoenix
Construction loan terms in Phoenix depend on several moving pieces: the property type, your total project budget, loan-to-cost and loan-to-value, your experience as a builder or developer, and your exit strategy once the project is complete. Lenders also weigh your budget, contingency, and the strength of your general contractor. Rather than guess, I'll give you a clear written breakdown of the rate, points, interest reserve, draw structure, and any fees before you commit, so there are no surprises at closing. I shop multiple lenders to find the structure that fits your project, whether that means maximizing leverage, minimizing carry, or lining up a smooth transition to permanent financing. If your project qualifies for an SBA-backed option, I'll walk you through that too. You can review SBA loan programs as a reference. No hidden fees, ever.
Why Choose Us
I've spent over ten years financing deals across Phoenix, Scottsdale, Mesa, Tempe, and Chandler, and I know how the Valley's submarkets and construction costs really behave. Ground-up deals need a broker who can move, and I shop dozens of construction lenders and private capital sources to find the right structure and leverage for your build. That competition works in your favor on rate, draw terms, and flexibility. I know local appraisers, builders, and what lenders want to see here. Same-day response on every call and text, and 50-plus five-star reviews from investors and business owners who've built with me. When your project timeline is on the line, you want someone who answers the phone.
Mark Fazio made getting a hard money loan for my investment property in Phoenix incredibly easy. He explained all of my options, kept me updated throughout the process, and got us to the closing table quickly. I highly recommend Mark and his team to any real estate investor looking for financing.
Mark was fantastic to work with throughout our home purchase in Oklahoma. He was responsive, knowledgeable, and helped us overcome every obstacle that came up during the process. He made everything smooth from start to finish, and we truly appreciated his communication and professionalism. Highly recommend.
Mark was recommended by my Mortgage Broker in California and he was great. Made the whole process easy. Glad he was recommended to me.
Ready to Get Started?
Have a build in mind or land ready to go? Let's talk through the numbers and get your construction financing lined up. Call or text Mark at (480) 690-9790 for a straight answer today.
Reviewed by
Mark Fazio, Licensed Mortgage Loan Officer
NMLS #1455718 · Barrett Financial Group (NMLS #181106) · Phoenix, AZ
Mark Fazio is a licensed Phoenix mortgage broker with 10+ years of experience and over 1,000 home loans closed. He shops dozens of lenders to find the lowest rate on purchase, refinance, and specialty loans, and personally guides every client from the first call through closing.