Local mortgage broker
If you’ve been searching for a ground up construction loan near you, you’re in the right place. CDL Mortgage Services Inc. is a licensed, independent mortgage broker headquartered at 6524 Lonetree Blvd, Rocklin, CA 95765, serving borrowers across California, Texas, Georgia, Tennessee, Oklahoma, and Idaho. Every file is handled start-to-finish by a licensed loan officer — never a call center.
Working with a nearby broker matters. We know the local markets, the county loan limits, and the title and escrow teams in your area — and because we shop multiple wholesale lenders on every ground up construction loan, “near me” never means settling for one bank’s pricing. Land plus vertical build financing for investors and builders.
Questions
Financing for building on vacant land — it can cover lot acquisition plus the full vertical construction budget. Funds are advanced in inspected draws against the builder\u2019s schedule of values, with interest only on the drawn balance.
Commonly 15–25% of total project cost. If you already own the lot free and clear, its equity often counts toward your required contribution and can reduce cash to close substantially.
Experience helps and drives your leverage. Newer builders can qualify with a licensed, insured, experienced general contractor, a realistic budget, and more equity in the deal.
You submit a draw request as each stage completes. An inspector verifies the work, then funds are released — typically within a few business days — so the build never stalls waiting on money.
Yes. A single facility can fund the lot purchase and the build, and can be structured to roll into a permanent mortgage or an investor rental loan at completion.
About Us
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for every borrower.
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.
Find ground up construction loans details for your city or county below.