Construction Loans · California

Construction Loans in California — One Close. Zero Surprises.

Whether you're building a custom home in Los Angeles, renovating in San Francisco, or developing in San Diego — Sean Shallis structures construction-to-permanent loans that save you $5-15K in double closing costs.

Single close. Interest-only during build. One rate lock. Draw schedule managed. Loans originated through U.S. Bank.

Get Your Build BudgetBook Strategy Call
90-second pre-qualification No credit impact $100K+ minimum project
Construction Lending in California

California builders deserve a lender who manages the details.

Sean Shallis is a national construction loan specialist backed by U.S. Bank. He structures single-close construction-to-permanent loans that eliminate double closing costs, lock your rate before you break ground, and keep the draw schedule on track so your builder gets paid on time.

Whether you're building a custom home in Los Angeles, doing a gut renovation in San Francisco, or combining construction financing with a physician loan — Sean's construction programs are available nationwide with the same white-glove service.

01
Plan with Sean
Share your California build plans, budget, and timeline. Sean structures a single-close loan covering lot, construction, and permanent mortgage in one.
02
Build with Confidence
During construction, pay interest-only on funds drawn. Sean manages the draw schedule with your California builder — releasing funds at each milestone.
03
Move In with One Mortgage
When construction completes, your loan converts automatically. No second closing. No re-qualification. No surprises.

Custom Build in California

Building from the ground up in Los Angeles or San Francisco? One loan, one close, one rate lock from dirt to doorstep.

Major Renovation

Gut renos and renovation-to-permanent projects in California. Transform an existing structure without juggling multiple loans.

Physician Builders

Physicians building in California can combine construction-to-perm with physician loan benefits. Student loan-friendly DTI available.

Investment Builders

Developing rental or investment properties in California? Competitive terms for experienced investors with $100K+ projects.

$0
Double-Close Costs

Single close saves $5-15K vs. two-close construction loans

Interest-Only
During Build

Pay only interest on funds drawn — not the full loan amount

One
Rate Lock

Lock your permanent rate before construction begins

12-18 Mo
Build Window

Generous construction timeline with extension options

Sean + U.S. Bank vs. California Construction Lenders

Most California lenders require two closings and leave you managing the draw schedule yourself.

Feature
Sean + U.S. Bank
Typical CA Lender
Single close (one set of closing costs)
—
Interest-only during construction
Rate locked before build starts
—
Draw schedule managed for you
—
Physician loan combo available
—
Renovation-to-permanent eligible
—
No re-qualification at conversion
—
Lot purchase + construction in one loan
—

Building Across California

Sean works with builders and developers across every California market — and nationwide.

Los Angeles, CA

Construction-to-permanent loans available for custom builds and renovations in Los Angeles.

San Francisco, CA

Construction-to-permanent loans available for custom builds and renovations in San Francisco.

San Diego, CA

Construction-to-permanent loans available for custom builds and renovations in San Diego.

Sacramento, CA

Construction-to-permanent loans available for custom builds and renovations in Sacramento.

Construction Loan FAQ — California

What's the difference between single-close and two-close construction loans in California?
A two-close loan requires separate closings (and separate fees) for the construction phase and permanent mortgage. Sean's single-close program combines both into one loan — saving California builders $5-15K in duplicate closing costs and eliminating the risk of rate changes or re-qualification between phases.
What's the minimum project size for a construction loan in California?
The minimum project size is $100K. This applies to both new construction and renovation-to-permanent projects in California. There's no maximum — Sean regularly structures construction loans for custom builds well into the millions.
Can I do a renovation-to-permanent loan in California?
Yes. If you're doing a gut renovation or major structural work on a California property, renovation-to-permanent financing rolls your purchase (or refinance), renovation costs, and permanent mortgage into a single close.
How does the draw schedule work?
Funds are released to your California builder at pre-agreed milestones (foundation, framing, mechanical, etc.). Sean coordinates inspections and approvals so draws are released promptly. You only pay interest on funds that have been drawn — not the full loan amount.
Can I combine a construction loan with a physician loan in California?
Yes. Physicians building custom homes in California can access construction-to-permanent financing with physician loan benefits including favorable DTI treatment for student loans. This is one of Sean's specialties.
Can I include lot purchase in my California construction loan?
Yes. If you haven't purchased your California lot yet, the single-close loan can include lot acquisition, construction costs, and your permanent mortgage — all in one loan with one closing. If you already own the lot, its equity counts toward your down payment.
What's the typical timeline from application to breaking ground?
Plan for 30-45 days from application to closing. You'll need approved plans, a licensed California builder, and a detailed budget. Sean's team works in parallel with your builder to keep the timeline tight. The construction phase itself typically runs 12-18 months.

Ready to plan your California build?

90 seconds with Rosie to get your build budget. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.

Get Your Build BudgetBook Strategy Call
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