Construction
7. To be sold when completed 8. Owner-Occupied 9. Non-Owner-Occupied 10. Vacation Homes
1. Max LTV% 2. Max LTC% 3. Max CLTV%
21. Ground-Up Construction 22. Lot and Construction 23. Construction Completion 24. Construction-To-Permanent 25. Rehab/Renovation
15. Single-Family Residence 16. Condominiums 17. Townhomes 18. 2-4 Units 19. Manufactured/Mobile Home 20. Land/Lot
11. Builder/Developer 12. Homeowener is the Builder 13. Homeowner using a Builder 14. Investor
4. Min FICO 5. Min DSCR 6. Max Term (Months)
Lender Name and Contact Info
Min/Max
1
2 3 4 5 6 7
8 9 10 11
12 13 14 15 16 17 18 19 20 21
22 23 24 25
2M / 200M 75 90 90 660 1.2 36 Y
Y
Y
Y Y Y Y Y
Y Y Y Y
Y
Builders Capital www.builderscapital.com Jeff Bumgardner (208) 600-9908
Nation's largest private construction lender offering up to 90% LTC/ 75% LTV on residential AD&C, sitework + vertical, up to $200m. Lending Territory: Nationwide except: ND SD LA
Center Street Lending www.centerstreetlending.com (949) 259-2438 dlsales@centerstreetlending.com Herzer Financial Services Inc. www.herzer.com Nancy Gann (650) 363-8003 info@herzer.com
250K / 10M 75
80
24 Y
Y
Y
Y Y
Y
Y
Ground-up direct lender up to $5M. Business purpose, NOO, up to 80% LTC, 680+ credit score. Broker clients protected. Lending Territory: AZ CA CO DC FL NC NY OR PA TX VA WA
100K / 3M 65 85
680
18YYYYYYYYYYYYYYYYYYY
Private portfolio lender specializing in ground-up, major remodel, fix and flip, ADU projects. All disbursements managed in-house. Lending Territory: CA only
LendingOne LLC www.lendingone.com Sam Bjelac (866) 535-2450 sbjlec@lendingone.com RCN Capital www.rcncapital.com (860) 432-5858 bisdev@rcncapital.com
200K / 3M
85
680
Y
Y Y Y Y Y
Y
Y Y Y
Get the reliable funding you need fast for your new construction projects. Lending Territory: Nationwide except AK ND NV SD
100K / 2M 75 90
650
24
Y
Y
Y Y Y Y Y
Y Y Y
Y
Financing for residential ground-up construction projects, experience from guarantor preferred. Lending Territory: Nationwide except AK ND NV SD VT
Sound Capital Loans https://soundcapital.com James Minarsich (425) 475-1905 james.minarsich@soundcapital.com Sundance Bay Debt www.sundancedp.com Andrew Peterson (801) 923-3620 loans@sundancebay.com
100K / 20M 80 90
680
24 Y
Y
Y
Y Y Y Y Y
Y Y Y Y Y Y
Fast reliable funding for your construction projects. Less stress, consistent cash flow, smooth funding process. Broker friendly. Lending Territory: AL AZ CA CO CT FL GA ID IN KY MD MT NC NV OH OR PA RI SC TN TX UT VT WA WY
2M / 30M 80 80 85
36 Y Y Y
Y Y
Y
Y Y Y Y Y Y Y Y
80% LTV & 90% LTC. We specialize in construction lending. Term 3-36 months. $2M - $30M. Fast & flexible closings. Broker friendly. Lending Territory: Nationwide
Financial Group in Mission Viejo, Calif. “Most industry training teaches guidelines, not people,” he explains. Latino families often pool resources across generations and combine income from diverse sources — small businesses, gig work and W-2 jobs. Loan officers must learn to document these layered incomes accurately and work with culturally aware certified public accountants to help self-em- ployed clients with tax planning. Rodriguez advocates for bilingual, interactive loan documents and expanded language access throughout the homeownership journey. His organization launched HOME Certified, the industry’s first bilingual learning system for mortgage professionals. Tailored mortgage options, such as bank statement programs and flexible downpayment assistance, are critical for first-time buyers with nontraditional income. Education remains central: Rodriguez hosts workshops and creates short videos in English and Spanish to demystify credit and financing. Trust-building continues after closing through community engagement and social media outreach. “La familia es lo más importante,” he says. Family is the most important thing. “When we lead with empathy and education, we don’t just close loans. We help families build lasting legacies.”
The Latino homeownership market is poised for historic growth, but achieving its full potential requires more than traditional lending prac- tices. It demands cultural understanding, proactive education and innovative solutions tailored to unique financial realities. As these loan originators demonstrate, success comes from meeting clients where they are — linguistically, culturally and emotionally — and guiding them toward sustainable homeownership. In doing so, they’re not only shaping the future of housing, but also empowering a generation to build wealth and stability for years to come. ●
Oralia Herrera is president of the National Association of Hispanic Real Estate Professionals and is broker/ owner of Century 21 TK Realty Inc. She immigrated from La Purisima, Durango, Mexico, as a child with her family. Settling in Franklin Park, Ill., she attended school, built a
life with her husband and raised three children. With more than 25 years in real estate, she is known for professionalism, integrity and care, forming lifelong client relationships while guiding families into homeownership and real estate investments.
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Scotsman Guide | February 2026
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