Construction Loans

Whether remodeling or building your dream home from the ground up, we specialize in keeping families in their homes, school districts, friends and communities they love.

We have put together a guide to help you determine which Construction loan is right for you. Click the link below to download our free guide.

Check Out Our Videos Below

What is an ADU Accessory Dwelling Unit?

These are just guidelines and every lender has their own terms.

Pros and Cons of HELOC loans

These are just guidelines and every lender has their own terms.

Construction Loans Explained

There are 3 types of Construction Loans available. 203K, HomeStyle Renovation and One-Time Close Loans

Renovation Loans

Get Your Home Ready for Lifelong Homeownership With 203K Loans Or Other Remodel or Renovation​

The Different Construction Loans


Financing an ADU is foundational to create affordable housing and creating financial security.

203K Construction

203k Construction Loan has more flexibility.You can have Lower FICO Scores and Higher debt-to-income ratios.

Homestyle Renovation

HomeStyle® Renovation Mortgage Loan is less flexible then a 203K. You need Higher FICO Scores and Lower debt-to-income ratios.

One-Time Close

 New Construction Loan. A single loan and 1 Closing date. Take land and turn it into a Home.

Flexible underwriting guidelines

Simple approvals

No upfront mortgage insurance required

Down payments as low as 3 %

We'd love to tell you more.

Set up a time to chat with one of our experts.

6310 Greenwich Drive, Suite 200 San Diego, CA 92122

Carl Spiteri | NMLS ID 286890

Phone: 619.544.6444

Office: 858.526.3037

eFax: 800.670.0929

Ark-La-Tex Financial Services, LLC NMLS ID 2143

Carl Spiteri | NMLS ID 286890

Ark-La-Tex Financial Services, LLC d/b/a Benchmark Mortgage 5160 Tennyson Pkwy STE 1000, Plano, TX 75024. NMLS ID #2143 ( 972-398-7676. Some products may not be available in all licensed locations. Information, rates, and pricing are subject to change without prior notice at the sole discretion of Ark-La-Tex Financial Services, LLC. All loan programs subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions may apply. (