Product at a Glance

• Financing for residential and commercial new construction
• Loans from $100,000 to $10,000,000+
• Draw schedules aligned to construction milestones
• Fast approvals with experienced underwriters
• Interest-only during construction phase
• Refinance into permanent financing at completion

What is Ground Up Financing?

Ground up construction loans fund new builds from the very start — land acquisition, site preparation, and all construction phases through completion. Funds are disbursed in draws tied to construction milestones, keeping your project moving without cash flow gaps.

Whether you're building a single-family home, multi-family complex, or commercial property, United Financial has the expertise and capital to get your project off the ground — literally.