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Construction & Lot Loans

Build a home you love from the ground up

With a construction loan, you can get the funds you need to build a new home or accessory dwelling unit (ADU).


If you’re planning to build or rebuild a home, an RCU construction loan offers personalized options, competitive rates, and terms that work for your budget.


Amounts of all sizes

Borrow exactly what you need, with loan amounts between $50,000 and $2 million.

Various term lengths

Choose terms that work for you. We offer fixed and adjustable loans with varying lengths.

Individualized service and solutions

We work with your construction plans and timeline.

Building options

We offer construction with purchase, construction refinance, or construction-only loans.

Accessory dwelling unit (ADU) loans

Access more equity in your home, and use the future value based on completion of the project for qualifying purposes.

Simple single-close process

Financing & mortgage all in one

Once construction is complete, your loan will convert to a regular mortgage.

No second credit check needed

The conversion to your permanent mortgage does not require an additional credit check.


Want to learn how to finance the building of an ADU on your property?

Our mortgage experts partnered with the Napa Sonoma ADU to put on a webinar that explains how to finance building your dream ADU.

Have a piece of land in mind?

We also fund lot loans. We can help you buy an empty lot to start from scratch on your next home. Finance up to $1.5 million at 60% loan-to-value.

Have a question?

If you have questions about any part of the home buying process, our mortgage experts are here to help. Schedule an appointment or give us a call at 1 (800) 609-9009.

  • CA properties only