New Construction Loans – Fast, Flexible Funding from HMLS

Why Choose HMLS for Your New Construction Loan

Construction projects have unique financing needs: appraisals, draws, builder oversight, timelines, and contingencies. At HMLS, we understand those challenges and design loan products that give you clarity, flexibility, and certainty.

Here’s what we offer you:

• Loan Amounts: $500K – $50M
• Term: 12–36 months
• Time to Close: 15–30 days from deposit
• Interest-Only Payments During Draw Period
• Competitive Rates: 10.99%–11.99% APR
• Closings in as Little as 1–2 Weeks
• Nationwide Lending (with strong Florida presence)
• Flexible Project Types: Single-family, multifamily, townhomes, condos, mixed-use, and commercial projects
• LTV: Up to 85% LTC or up to 75% of the “as stabilized” value 
• Lien Position: Senior secured a first mortgage 
• Origination Fees: 2%–3.5%, adjusted to loan size, timing and complexit
• Amortization: Interest Only

Build with Confidence — New Construction Financing in as Little as 2 Weeks

Builders and developers choose HMLS because construction projects demand certainty, speed, and flexibility—and that’s exactly what we deliver. Unlike traditional lenders that slow projects down with rigid requirements and delayed draws, HMLS is built to keep construction moving forward:

1. Speed and reliability when timelines matter. Construction delays cost money. HMLS closes new construction loans in as little as 1–2 weeks, ensuring you can break ground on schedule, keep crews working, and avoid costly interruptions caused by financing delays.
2. Funding based on project viability—not rigid formulas. Banks often reject solid projects due to technicalities. HMLS evaluates the strength of your plans, budget, market demand, and exit strategy, allowing well-structured projects to move forward even when traditional financing isn’t an option.
3. Minimal documentation, faster decisions. We don’t require tax returns, W-2s, or complex income verification. By focusing on the deal itself, HMLS eliminates unnecessary paperwork and delivers faster approvals—so you spend less time underwriting and more time building.
4. Flexible draw schedules designed around real construction milestones. Every project is different. HMLS structures draw schedules that align with your build phases, helping you manage cash flow efficiently while ensuring funds are released as work is completed.
5. Transparent terms with no surprises. Builders value clarity. HMLS provides straightforward loan terms, clear expectations, and open communication throughout the process—so you can plan confidently from groundbreaking to completion.

With HMLS, you’re not just securing financing—you’re partnering with a lender who understands construction timelines, market realities, and what it takes to successfully deliver a project.

What Is a New Construction Loan?

A new construction loan provides financing to build a property from the ground up. These loans are structured differently from permanent mortgages: instead of funding the full amount at closing, funds are released in draws based on project milestones.

This type of loan matches your cash flow needs throughout construction, helping you manage labor, materials, inspections, and unexpected costs while keeping your project on schedule.

New construction financing is ideal for developers, investors, and builders who want control, speed, and certainty—without the red tape of traditional bank loans.

Who Benefits from a Loan for a New Construction ?

HMLS construction loans are perfect for:

• Developers building suburban subdivisions or multifamily projects
• Investors adding value through new builds
• Builders starting custom homes or spec properties
• Entrepreneurs scaling portfolio with mixed-use developments
• Buyers converting raw land into income-producing assets

If your project has strong fundamentals and a clear exit strategy (sale, refinance, or rental income), HMLS can often help you secure funding quickly—even when banks say no.

How HMLS Construction Loans Work

Getting funded with HMLS is straightforward and efficient:

1. Apply online or give us a call. Go over the quick application with essential property and project info
2. We evaluate your plans, budget, timeline, and exit strategy
3. Your loan will be ready in 1–2 weeks, as documentation and funding are ready fast
4. Funds are released as construction milestones are completed
5. Consider an exit strategy: refinance into a permanent loan or sell the finished property

Unlike bank construction loans, HMLS doesn’t require lengthy underwriting or extensive income documentation. We focus on project viability, value, and equity, so you get capital when you need it.

Start your application and keep your construction project moving.

Florida and Nationwide Lending Expertise

HMLS is proud to serve builders and investors in all 50 U.S. states, with a deep footprint in Florida—where construction demand remains strong across both residential and commercial markets.

Whether you’re building in West Palm Beach, Miami, Tampa, Orlando, Jacksonville, or beyond, HMLS has the experience and capital to support your project from groundbreaking to completion.

Construction Loan Examples

HMLS thrives on complex builds and ambitious timelines. When other lenders slow down, we fund forward.