If you’re a successful business owner, doctor, or investor, you’ve probably thought about building your dream home—whether it’s a ski cabin in Aspen or a beachfront villa in Malibu.
But if you’ve never built before, most lenders will shut you down.
The good news? There’s a special ground-up construction loan that lets you borrow up to $7,000,000—even with NO construction experience.
How to Qualify for a No-Experience Construction Loan
Traditional construction loans require prior experience—but this program is different. Instead of your track record, lenders look at:
✅ Your financial strength (income, credit, & liquidity)✅ Your builder’s credentials (licensed general contractor)✅ The project’s viability (location, appraisal, and cost breakdown)
Loan Details:
Loan amounts up to $7,000,000
Minimum 700+ credit score (exceptions for ultra-high-net-worth borrowers)
Down payments as low as 15-20%
Works for primary residences & vacation homes
Loan is funded in stages based on construction progress
📺 Watch my full breakdown here:➡️ [Watch Now] https://youtu.be/pS3adKamC-8
How This Loan Works in 3 Steps:
1️⃣ Strong Financials Beat Experience – Lenders want high income, good credit, and liquidity more than construction experience.2️⃣ Partner with an Approved Builder – You’ll need a licensed general contractor (I can help you find one if needed).3️⃣ Loan Funds in Stages – You receive funds as construction progresses, ensuring your project stays on track.
Common Questions:
💰 How much do I need down?Typically 15-20% of the total project cost.
📈 What if I already own the land?Great! You can use land equity to lower your out-of-pocket costs.
🏡 Can I use this loan for a vacation home?Yes! It works for luxury vacation homes and primary residences.
📞 Want to see if you qualify? Let’s talk!📅 Book a free consultation: calendly.com/monarchlender
Final Thoughts
If you’re ready to turn your dream home into reality, let’s secure the right financing and make this project happen—without the lender headaches.
📍 Andrew King | Monarch Financial
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