Constructive Loans Ground-Up Construction Program

Constructive Loans ground-up construction wholesale program for brokers: channel-typical FICO, LTV and loan size, each field source-linked and dated.

Constructive Loans Ground-Up Construction wholesale program

Constructive Loans (Plano, TX) advertises Ground-Up Construction lending to mortgage brokers. Last checked 2026-07-26.

Field-level sources and last-checked dates

Program offered to brokers: Constructive Loans advertises Ground-Up Construction lending on its public broker materials — source: Constructive Loans official website, checked 2026-07-26 (lender published, confidence high)
Headquarters: Plano, TX — source: Constructive Loans official website, checked 2026-07-26 (lender published, confidence high)
Broker footprint: Publishes a national broker footprint — source: Constructive Loans official website, checked 2026-07-26 (lender published, confidence medium)
Typical minimum FICO: 660 — source: Ground-Up Construction channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)
Typical maximum LTV: 75% — source: Ground-Up Construction channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)
Typical loan size range: $150K – $5M — source: Ground-Up Construction channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)
Documentation types: No ratio, Asset only — source: Ground-Up Construction channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)
Borrower profiles: Real estate investor — source: Ground-Up Construction channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)
Occupancy: Investment property — source: Ground-Up Construction channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)
Property types: Single family, 2-4 unit, 5+ unit / multifamily, Land / ground-up — source: Ground-Up Construction channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)
How the product is structured: Land plus vertical construction financed against total project cost with staged draws and an experience requirement for the builder. — source: Ground-Up Construction channel structure notes — LoanOfficer.ai methodology, checked 2026-07-26 (category guidance, confidence medium)

Loan parameters shown in search are category-level structural guidance describing how this product type is commonly written in the wholesale channel. They are not the lender's published guidelines and are not a pre-approval. Every result links to the lender's own public broker materials with the date we last checked it — confirm current terms with the lender before quoting.

What we can verify about this program

Constructive Loans is headquartered in Plano, TX and publishes a publishes a national broker footprint broker footprint. Its public broker materials referenced ground-up construction lending when we last checked them on 2026-07-26, alongside 4 other advertised product types in this directory. Constructive Loans does not publish a comparable wholesale-only production figure, so no volume is shown on this page.

Land plus vertical construction financed against total project cost with staged draws and an experience requirement for the builder. In the wholesale channel this product type is commonly written from a 660 minimum FICO up to 75% LTV, on loan amounts between $150K and $5M. Accepted documentation typically includes no ratio, asset only, with investment property occupancy and single family, 2-4 unit, 5+ unit / multifamily, land / ground-up property types in scope. Those parameters describe the channel, not Constructive Loans's own matrix — pull the current guideline from the lender before you quote.

Constructive Loans ground-up construction questions brokers ask

Does Constructive Loans offer ground-up construction loans to mortgage brokers?

Yes. Constructive Loans's public broker materials referenced ground-up construction lending when we last checked on 2026-07-26. Broker approval and program eligibility are decided by Constructive Loans, not by this directory — start at its constructive loans official website and confirm current requirements.

What FICO and LTV should I expect on a ground-up construction file at Constructive Loans?

Constructive Loans does not publish its ground-up construction matrix on a public page, so this profile shows the channel-typical structure instead: a 660 minimum score and leverage up to 75% LTV. Treat that as a starting point and verify the live guideline with your account executive.

What loan amounts and documentation types apply to ground-up construction lending?

In the wholesale channel this product is generally written between $150K and $5M, using no ratio, asset only documentation on investment property occupancy. Constructive Loans may sit tighter or looser than that range on any single field.

Where do I get Constructive Loans's actual ground-up construction guidelines?

From Constructive Loans directly — its constructive loans official website is linked in every source column on this page. Constructive Loans does not appear in the published wholesale volume ranking we reference, which is a reporting gap rather than a quality signal.

Other programs Constructive Loans advertises

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