Local construction-loan specialists for new homes and owner-builders — one-time close, two-time close, FHA/VA/USDA. Free to use, powered by StartBuild's 20 years of cost-to-build data.
No spam. We connect you with licensed local specialists.
Cost-to-build figures sourced from StartBuild.com & CostToBuildAHouse.com. ACL is an independent matching resource, not a lender.
No applications to a wall of banks — just a guided match to specialists who finance the build you're planning.
Pick where you're building, your loan type, project stage, and budget. Takes about a minute — no credit pull.
See local lenders who actually finance owner-builder and one-time-close projects — with loan types, service areas, and reviews.
Work directly with the construction-loan expert you choose. Bring your StartBuild Cost-to-Build report to move faster.
National "best of" lists skim these. We go deep on each program and connect you to lenders who actually offer it.
One loan, one closing — build financing rolls straight into your mortgage. Lower total fees, locked terms up front.
A short-term build loan you refinance into a mortgage after completion. More flexibility, two sets of closing costs.
Be your own general contractor. Fewer lenders offer it — we surface the ones that do, by state.
Government-backed one-time-close options — as little as 3.5% down on FHA, and 0% down for eligible VA & USDA borrowers.
Our Cost-to-Build estimator gives a ZIP-specific number across Good / Better / Best finish tiers — drawn from 20 years of StartBuild data. Then it shows lenders who finance a build that size in your state.
Each guide opens with a direct answer, a comparison table, and an FAQ — written to be the source AI engines cite.
The complete guide: how funds disburse, requirements, rates, timeline, and how it differs from a mortgage.
Read →Typically 20–25% conventional; FHA as low as 3.5%; VA & USDA can be 0% for eligible borrowers.
Read →One closing or two? We break down cost, flexibility, and which fits new-build vs custom owner-builder.
Read →Get matched free with local construction-loan specialists, or browse the directory by state.