Construction Loans – Finance the Build, Then Live the Dream

Construction loans fund new builds or major renovations. Draw schedules release funds as milestones are met. Interest-only during construction can ease cash flow. Many options convert to permanent financing at completion. We align the loan with your builder’s timeline. Your vision gets a practical, financed plan.
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Structured Draws

Funds are released as stages of work are verified. This keeps contractors paid and progress steady. We coordinate inspections to meet lender requirements. Documentation flows in step with the build. Cash management stays predictable and controlled. Momentum stays on your side.
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Payment Flexibility

Interest-only during the build preserves liquidity. You pay for what’s drawn, not the full amount. We map payments against your monthly budget. The approach reduces stress while walls go up. When complete, payments shift to the end design. It’s financing that adapts to the project.
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Advantages of Construction Loans

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Milestone Funding: Money follows progress.

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Cash-Flow Ease: Interest-only during build.

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One-Time Close: Simple transition to mortgage.

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Aligned Timelines: Financing mirrors the project.
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One-Time Close Options

Close once, then convert to a permanent loan. Avoid second closings and extra fees later. We present multiple conversion structures for review. Your rate and term plan can be locked ahead. Fewer steps mean fewer surprises. Build today, live in confidence tomorrow.
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Why Choose Alford Lending Group

We combine deep product knowledge with transparent guidance.
Our team designs financing around your goals, not templates.
Licensed in Florida, North Carolina, and Texas, we know your market.
Clear numbers and timelines keep you confidently in control.
We shop multiple lenders to pursue great value for you.
Service, integrity, and results lead every conversation.

We are known for

Personalized Strategies: Loans built around your plans. 

Clear Communication: Proactive updates at every step.

Transparent Process: Clear communication and no hidden surprises

Efficient Closings : Helping you secure financing unnecessary delays.

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"FAQs"

We compare monthly cost, cash to close, and long-term savings across options so the math makes the choice clear.

Typically income, assets, ID, and property docs; we send a precise checklist customized to your file.

Purchase timelines vary by program and appraisal; we set realistic dates and manage milestones tightly.

Yes, FHA, VA, and some conventional options enable lower cash to close with clear tradeoffs.

When rate, term, or cash-out benefits beat costs within your target break-even window we calculate for you.

Get in Touch With Our Loan Experts

We understand that choosing the right loan program can feel overwhelming, and that’s why our team is here to guide you every step of the way. Whether you’re a first-time homebuyer, refinancing, or exploring investment opportunities, we’ll provide clear answers and personalized solutions. You can reach out to us by phone, email, or through our simple online contact form. Our loan specialists are available to discuss your goals and explain all your options in detail. With a commitment to honesty and customer satisfaction, we make sure your experience is stress-free. Don’t wait—contact us today and take the first step toward securing your financial future.