FAQ
No. This is an advisor and directory. We help you figure out what financing you need and who to contact. We don't lend money or process loan applications.
No. This is educational information based on extensive research and firsthand experience with California construction financing. Always consult with a licensed mortgage professional before making financial decisions.
Construction financing varies dramatically by state — loan limits, regulations, lender availability, permit timelines, and programs are all state-specific. Our knowledge base is deeply California-focused with county-level detail. We'll expand to other states once the model is proven.
The knowledge base was researched in April 2026 with rate benchmarks, program availability, and lender status verified at that time. Construction loan rates, requirements, and program availability change frequently. We recommend verifying current rates and availability directly with the lenders we recommend.
Lender recommendations are based on a hand-built directory of California construction loan brokers and lenders, researched through direct conversations and verified public records. We include honest qualitative notes — including fee structures, specialties, and limitations. We're not paid by any lender listed.
Free. The tool is free to use. We may earn referral fees from lenders in the future, but the recommendations are based on what's best for your situation, not who pays us.
Yes, but your options are significantly more limited. Most lenders require a licensed general contractor. Our tool specifically identifies which lenders accept owner-builders and what additional requirements apply. If you select 'Owner-Builder' in the intake, the recommendation accounts for this.
Yes — and this is actually where the tool is most valuable. Rural and unincorporated areas in California have the least lending options and the most friction. Our knowledge base specifically covers rural eligibility, well/septic impacts, fire zone considerations, and which lenders serve non-metro counties.
We don't collect personal information. The 5-6 questions you answer (project type, budget, county, equity, contractor status, special circumstances) are processed in real-time to generate your recommendation. We don't store your answers or require any account.
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