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Construction and Land Loans

Applying for a loan to buy and build a home is easy with Finance Factors. Our Loan Officers are experts in land and construction lending and will walk you through the loan process and help you understand your mortgage options based on your situation.

When we finance your lot purchase, we also evaluate your ability to get a construction loan so you aren’t stuck with a property that you can’t build on. 

We look at both your current situation and your future situation once construction is complete, considering the value of the completed home when qualifying for your loan. We also consider any future rental income once construction is complete for investor loans. 

As a local lender with deep roots in the community and Loan Officers on every major island, Finance Factors has helped Hawaii property owners for over 60 years. We are here to establish a long-lasting relationship with our customers.

Call an experienced Construction or Land Loan expert at (888) 405-3066 today. We’ll help find a financing solution that’s right for you.

Why Choose Finance Factors?

  • Future Value of Completed Home Considered
  • Hawaii-Owned Financial Institution
  • Helping Hawaii Homeowners for Over 60 Years
  • Personalized Service and Customized Solutions
  • We Take Time to Understand Your Needs
  • We Present You with Multiple Financing Options