New Construction Loans

Funding Your ‘Ground Up’ Investment Project.

What is a New Construction Loan?

A New Construction Loan (also known as a “Ground Up Construction” loan) is financing for investors and builders who are building a home specifically to be sold.

This loan is designed for non-owner-occupied “spec” homes or investment properties. It can cover the cost of the land (if not already owned) and the hard and soft costs of construction, from foundation to finish.

From Lot to Sale, We've Got You Covered

We structure our construction loans around your project’s timeline. Funding is released in “draws” as you complete key stages of construction, so you have the capital you need to pay your contractors and keep your project moving forward without delays.

Why Builders Choose Our Construction Loans

Investor-Specific Focus

We are experts in financing non-owner-occupied properties. We understand the "spec build" business model and have designed our process to support it.

Reliable Draw Schedules

A delayed draw can bring your project to a halt. We offer a transparent and reliable draw process to ensure your build stays on schedule and on budget.

Local Market Knowledge

We are asset-based lenders who understand the local real estate and construction market. We make common-sense decisions to get your project funded.

CARE FOR YOUR NEXT DEAL

Stop explaining your business to a banker. We are asset-based lenders, not box-checkers

Our entire process is built for one person: the real estate investor. We analyze the asset, understand the exit strategy, and give you a straight answer – fast. Partner with a lender who speaks your language.

Testimonials

What Our Clients Say

Real stories from people who found support and care with us.

I used the Fix & Flip loan to buy a distressed property that traditional banks wouldn’t even look at. HMG funded both the purchase and the rehab budget in days, not weeks. I was able to get in, renovate, and sell the property with a solid profit. Zero games, zero surprise fees. Just execution.

The Fix & Flip Line of Credit changed how I run my business. Before, I had to apply for every single address separately. Now I have one approved credit line I can pull from deal by deal. My crew never sits idle, I can pick up my next project immediately, and I’ve doubled my volume this quarter.

The DSCR loan let me close on a rental duplex under my LLC without getting grilled about my personal tax returns. They cared about the cash flow of the property, not just my W-2. I refinanced into long-term rental financing, pulled cash out, and I’m already moving on the next buy-and-hold.

I needed a bridge loan fast to lock up a small commercial building before another buyer. A traditional lender told me they’d “need 30+ days to review.” HMG structured a short-term bridge loan basically immediately so I could close and control the asset. Without that, I would’ve lost the deal.

Getting funding for new construction is usually a nightmare if you’re not a big developer. HMG actually sat down with me, looked at my build budget and exit plan, and financed my ground-up spec home on a vacant lot. They treated me like a builder, not like I was wasting their time.

Talk to an Investor, Not a Banker.

We understand your business, and we’re built to move at your speed. Contact us directly to discuss your next project with a lending partner who gets it.

Office Address

2405 Quantum Blvd
Boynton Beach FL 33426

Phone Number

561-549-9092