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.
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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?


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


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


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


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


Our in-house construction department works directly with builders.


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.

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6101 Bollinger Canyon Rd #344, San Ramon, CA 94583
Toll Free Call : (866) 280-0020

Copyright ©2023 Shining Star Funding A division of American Pacific Mortgage LLC | NMLS ID # 1850 ( | 6101 Bollinger Canyon Rd #344, San Ramon, CA 94583 Phone (925) 820-2981 | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

Interactive calculators are self-help tools. Results received from this calculator are designed for comparative and illustrative purposes only, and accuracy is not guaranteed. Shining Star Funding is not responsible for any errors, omissions, or misrepresentations. This calculator does not have the ability to pre-qualify you for any loan program or promotion. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Shining Star Funding does not guarantee any of the information obtained by this calculator.

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