Build from the Ground Up with Fast, Flexible Financing
At Your LOI, we specialize in ground-up construction loans in Adams County, Colorado, for real estate investors, builders, and developers ready to take their vision from land to completed project. Whether you’re building a new residential rental or light commercial property in Westminster or Thornton, our private construction financing gets you funded—fast.
Ground-up Construction Loan Program
Our ground-up construction loans are asset-based and designed for new development projects where timing and flexibility matter. We fund land acquisition, soft costs, and vertical construction in a streamlined, draw-based structure.
Program Highlights:
- – Loan amounts from $250K to $10M+
- – Up to 70% of land value and 100% of construction costs
- – Interest-only payments during construction
- – Draws released based on inspection milestones
- – Terms from 12 to 24 months
How to Qualify
- Control of land or a purchase contract
- Construction budget and timeline
- Building plans and permits (or in process)
- Licensed contractor and basic borrower info
Property Types Eligible
- Single-family rental homes
- Small multifamily (2–20 units)
- Mixed-use buildings
- Light commercial or retail
- Construction-ready lots
Fast Funding Timelines
- Term sheet in 24 hours
- Underwriting in 3–5 business days
- First draw in 7–10 business days after closing
Local Construction Lending Experience in Adams County
Your LOI has funded over 1,000 investment projects across Colorado. We understand the unique build challenges in Adams County—from inspection delays to weather timelines and zoning requirements in Westminster, Thornton, and nearby cities.
Why Choose Private Lending Over Banks?
We fund early-stage projects, including raw land
Faster closings and draw releases
On-the-ground knowledge of Adams County permitting and timelines
No income verification or tax returns required
Get Sterted Today
Get fast approval on your loan by applying now and speaking with a local Colorado lending expert who’ll guide you through the process. Simply submit your deal scenario for same-day feedback and take the first step towards achieving your financial goals.