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How to Build Your SoCal Dream Home with a Ground-Up Loan | Valoe Lending Group

Are you ready to build your dream home or next investment property in sunny Southern California? From Malibu cliffside estates to modern builds in San Diego, understanding How to Build Your SoCal Dream Home with a Ground-Up Loan is the first step to turning your vision into reality, and that’s where I come in.

My name is Hayden Madison, and I’m a Senior Loan Officer at Valor Lending Group. I specialize in securing flexible, strategic financing for projects across SoCal, whether you’re developing a custom home in Beverly Hills, a spec build in Orange County, or a multi-unit project in Downtown LA. Valor Lending Group offers a wide range of construction loan options, including full doc, stated income, and private money solutions tailored to your needs.

Not sure where to begin? I’ll guide you every step of the way. From blueprint to build, Valor Lending Group delivers the best Ground Up Construction Loans in Southern California, with up to 90% loan-to-cost, funding up to $20MM+, and flexible interest-only terms over 12 to 24 months.

Ready to break ground on something big in SoCal?

Call me, Hayden Madison, today at 858-349-7538 or email hmadison@valorlending.com

Let’s build your future. Starting now, right here in Southern California.

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What Is a Ground-Up Construction Loan?

Let’s break it down: a Ground-Up Construction Loan is designed to finance the entire process of building a property from scratch. That means purchasing the land, getting the permits, drawing up the plans, and funding the actual construction all rolled into one powerful financial product.

Most Popular Ground Up Construction Loans cover:

• Single-family homes

• Multi-family residences

• Mixed-use commercial properties

A licensed and bonded general contractor will assist you with plans, entitlements, and getting your property shovel-ready. Meanwhile, I will solidify the financing to get your project moving.

Step 1: Choose the Right Financing Partner

Construction financing in SoCal can be complex, but it doesn’t have to be. At Valor Lending Group, I simplify the process by reviewing your project scope, structuring the best loan for your needs, and ensuring a smooth path from application to close.

Step 2: Qualify for the Loan

Qualifying for a Ground-Up Construction Loan is similar to a conventional mortgage with a few additional requirements. Here’s what we look for:

• A history of completed projects within the last three years (preferred, but not always required

• A detailed scope of work, cost breakdown, and contractor bids

• Projected After Completed Value (ARV)

• Loan-to-Cost (LTC) ratio evaluation

Whether you’re an experienced SoCal builder or taking on your very first project, I’ll match you with flexible financing designed to get you approved and moving forward.

Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com

Let’s build something great.

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Ground-Up Construction Loan Highlights

Here’s why our most popular Ground-Up Construction Loans are trusted by builders and investors across Southern California:

• Up to 90% Loan-to-Cost (LTC)

• Loan amounts up to $20MM+

• Flexible guidelines customized to your scenario

• 12–24 month interest-only terms

• Fast closings, sometimes in just 7 days

• No appraisal? Often not required

At Valor Lending Group, I work with a wide network of direct lenders so you always get competitive rates, without wasting time shopping around.

Call me, Hayden Madison, at 858-349-7538, or email me at hmadison@valorlending.com

Let’s start building your dream home today.

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Why SoCal Is a Hotspot for Ground-Up Construction

Southern California continues to be one of the hottest regions for real estate development, and it’s easy to see why:

• Sunny, mild weather allows construction to stay on track year-round

• Rapid population growth creates constant demand for new housing

• Thriving rental markets in cities like San Diego, Los Angeles, and Orange County

• Investor-friendly opportunities paired with strong property appreciation

Whether you’re planning a luxury coastal escape in Malibu or a high-return multifamily project in San Diego, there’s never been a better time to break ground in SoCal.

Call me, Hayden Madison, at 858-349-7538.

Let’s create the kind of home that feels like every day’s a vacation.

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Who Should Consider a Ground-Up Construction Loan?

These loans are ideal for:

• Real estate investors building income-generating properties

• Homeowners creating a custom or luxury home

• Developers adding multi-family or mixed-use projects to their portfolios

• Vacation home builders in prime SoCal locations like Laguna Beach or Santa Barbara

If you’ve got the vision, I’ve got the financing to match it.

Call me, Hayden Madison, today at 858-349-7538!

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Let’s Build Something Great

At Valor Lending Group, I treat every project like it’s my own. Whether you’re a seasoned investor, first-time builder, or simply exploring your options, I’ll give your scenario my immediate attention and guide you through every step.

Call me, Hayden Madison, at 858-349-7538, or email me at hmadison@valorlending.com

Let’s build more than a house. Let’s build your California lifestyle.

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VALOR LENDING GROUP OFFERS EVERY MORTGAGE LOAN IN THE BOOK!

At Valor Lending Group, I’m ready to help you achieve your investment goals.

Call me, Hayden Madison, directly at 858-349-7538, and turn your dreams into reality today!

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Recently Funded | Valor Lending Group

$1,044,550 Loan amount | Private Money Bridge Loan | Purchase | 65% LTV | Murrieta, CA
$1,900,000 Loan amount | Full Doc Jumbo Loan | Cash Out Refi | 31% LTV | Mirage, CA
$1,430,000 Loan amount | 24 Month Bank Statement Loan | Purchase | 65% LTV | Phoenix, AZ
$2,625,000 Loan amount | Ground up Construction Loan | Purchase | 65% LTV | Malibu, CA
$1,905,000 Loan amount | Fix and Flip Loan | Purchase | 90/100 LTV | Palos Verde, CA
$2,645,000 Loan amount | Ground up Spec Construction Loan | Purchase | 65% LTV | Palm Springs, CA
$712,500 Loan amount | DSCR Loan | Cash Out Refi | 75%LTV | 70% LTV 
$4,013,750 Loan amount | Full Doc Jumbo Loan | Rate& Term Refi | 75% LTV | Newport Beach, CA
$592,500 Loan amount | DSCR Loan | Purchase | 75% LTV| Seattle, WA

And many more.

Every Project, Every Loan – Let’s Build Your Success Together!

Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com

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Recap of Our Loan Products:

1. Private Money Loans (20% down / minimal documentation) typically, funds in 7-10 days
2. Stated Income Loans (Great for business owners and self-employed) No tax returns!
3. 100% financing is available (we can cross-collateralize other properties if there is enough equity)
4. Valor VA Home Loan 100% financing up to $2.5MM
5. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s cash flow
6. Flipper & Rehab Loans (Flip a property with one of our many options)
7. 2nd Position Loans up to $5MM
8. Raw Land & Lot Loans
9. Ground-up Construction for spec homes, custom homes, and commercial ground-up.
10. Farms, Vineyards, Ranches, and Agricultural Properties (25-30% down)
11. 10% down, Jumbo’s up to $1.5MM
12. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
13. Acreage Properties
14. Commercial Loans up to $500MM
15. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
16. Foreign Nationals Loans (no social security or residency required)

We Also Offer:

1. 10, 15, 20, 25, 30 years Fixed, Conventional Conforming Loans
2. High Balance Conforming, aka Super Conforming
3. Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
4. FHA, USDA
5. ARM’s
6. Reverse mortgages up to $1MM Value
7. Refinance including Cash Out

**Rates and terms are subject to change without notice