One-Time Close Construction Loans. California Expertise.
Building a custom home in California should be a seamless and inspiring experience. With one-time close construction loans from Loans by Lehrman, you can finance both the construction and permanent mortgage with one loan, one approval, and one closing. Our programs are ideal for high-net-worth borrowers, physicians, tech executives, entrepreneurs, and luxury homebuyers, offering flexible, high-balance financing tailored to complex financial profiles. Whether you’re building a coastal property in Malibu, a hillside estate in Beverly Hills, or a modern home in Silicon Valley, we provide the expertise and service you need to build with confidence.
What Is a One-Time Close Construction Loan?
A one-time close construction loan is a single mortgage that covers both construction and permanent financing, eliminating the need for separate loans. Benefits include:
Who Benefits From California One-Time Close Construction Loans?
High-Net-Worth Buyers & Executives
- Flexible income documentation
- Options for complex financial structures
- Tailored loan solutions for estate-level properties
Physicians & Medical Professionals
- Consideration for deferred student loans
- Flexible credit and income pathways
- Attractive terms for high earners
Tech Professionals, Entrepreneurs & Investors
- Bank statement and asset-based qualification options
- High loan limits for premium markets
- Interest-only construction payments
Key Features of California One-Time Close Construction Loans
Single Closing: No need for separate construction and permanent mortgages
High-Balance Loan Options: Programs up to $10M+
Interest-Only During Construction: Lower payments during the build
Flexible Qualification: W-2, 1099, K-1, bank statements, asset depletion
Eligible for Primary, Secondary, or Investment Properties
Fast, Personalized Service: Ideal for busy, high-income clients
Why Choose Loans by Lehrman for Construction Financing?
Expertise with luxury construction financing across California
Smooth and efficient builder draw process
Dedicated support from application to final certificate of occupancy
Experience working with high-net-worth profiles and complex financials
Insight into California’s high-demand markets, including: Los Angeles, Orange County, San Diego, San Francisco, Silicon Valley, Napa, Malibu, Beverly Hills, Santa Barbara, Palm Springs, Lake Tahoe
Areas We Serve in California
We proudly serve borrowers throughout the state, including:
Los Angeles, Beverly Hills, Malibu, Orange County, Newport Beach, San Diego, San Francisco, Silicon Valley, Palo Alto, San Jose, Sacramento, Santa Barbara, Carmel, Monterey, Palm Springs, Lake Tahoe
Frequently Asked Questions
What makes a One-Time close loan different?
It combines the construction loan and the permanent mortgage into a single closing, reducing complexity and cost.
How large can a construction loan be in California?
Depending on the project, loans may go up to $10M+, especially in luxury markets.
Are interest-only payments available during construction?
Yes — most programs offer interest-only payments to ease expenses while building.
Can self-employed or investor borrowers qualify?
Yes. We offer bank statement, asset-based, and flexible documentation programs.
Do you lend on primary secondary homes?
Yes — many programs allow vacation homes or investment properties.
Start Your California Construction Loan Today
My Story
Originally from Harrisburg, Pennsylvania, I moved to Phoenix to attend Arizona State University and have proudly called Phoenix home ever since.
My journey into the mortgage industry began with a friend’s encouragement, who saw how my energy and people-first mindset could make a difference. He was right — I found my calling.
I’ve always embraced what makes me different. With ADHD as my secret weapon, I thrive in fast-paced, detail-heavy environments. I’ve built my career on clear communication, creative problem-solving, and putting clients first, always.
Outside of work, my greatest motivation is my wife and three amazing kids. I’d be honored to help guide you through your lending journey with care, clarity, and commitment.
