6101 Bollinger Canyon Rd #344 San Ramon Ca 94583

BUILDING YOUR

Dream Home

Building Your Home Just Got Easier

Building a home can be one of the biggest decisions you make and there are so many reasons to build your next family home.
New construction comes with a lot of questions and decisions. We make the loan process a breeze with our dedicated construction team and loan officers specifically certified in construction financing.

Your Steps to New Construction

We start you on the right path by giving you an idea of what to expect.
Play Video

How Do Construction Loans Work?

We offer a Two-time Close Construction Loan. This means that you’ll have one loan to pay for the construction, then as construction nears completion, you’ll get a second loan to pay off the construction loan and become your permanent financing.

The payments on the construction loan are interest only, and you can choose to make monthly payments or build them into your loan. Your permanent financing is a traditional loan, where you make principal and interest payments monthly just like any other mortgage.

Need More Reasons to Work with Us?

UP TO 90% FINANCING

Pre-owned land can be used to help with your down payment.

BUILD BEFORE YOU SELL

In most cases you can stay in your current home while you build so you don’t have to move twice.

LOAN BASED ON APPRAISAL

Base your long-term loan on the appraised value and not just the cost to build.

LOCK-IN YOUR RATE

Lock in your post-construction rate up to one year early.

EASY DRAWS

Our in-house construction department works directly with builders.

ONE YEAR TO BUILD

We work with timelines that exceed normal building parameters.

Looking for More Information?

We’ve got you covered! Explore away with our tools and resources…but know we’re here for you whenever you’re ready to chat.

Copyright ©2022 Shining Star Funding A division of American Pacific Mortgage LLC | NMLS ID # 1850