Construction Loans in California — One Close. Zero Surprises.
Whether you're building a custom home in Los Angeles, renovating in San Francisco, or developing in San Diego — Sean Shallis structures construction-to-permanent loans with one closing instead of two, so you pay one set of closing costs.
Single close. Interest-only during build. One rate lock. One appraisal. Draw schedule managed. Originated through a national portfolio lender.
California builders deserve a lender who manages the details.
Sean Shallis is a national construction loan specialist who originates through a national portfolio lender, with the same file and the same underwriter from application to close. He structures single-close construction-to-permanent loans with one closing instead of two, locks your rate before you break ground, and keeps the draw schedule on track so your builder gets paid on time.
Whether you're building a custom home in Los Angeles, doing a gut renovation in San Francisco, or combining construction financing with a physician loan — Sean's construction programs are available nationwide with the same white-glove service.
Custom Build in California
Building from the ground up in Los Angeles or San Francisco? One loan, one close, one rate lock from dirt to doorstep.
Major Renovation
Gut renos and renovation-to-permanent projects in California. Transform an existing structure without juggling multiple loans.
Physician Builders
Physicians building in California can combine construction-to-perm with physician loan benefits. Student loan-friendly DTI available.
Investment Builders
Developing rental or investment properties in California? Competitive terms for experienced investors with $100K+ projects.
One set of closing costs and one appraisal. No second closing when the loan converts.
Pay only interest on funds drawn — not the full loan amount
Lock your permanent rate before construction begins
Generous construction timeline with extension options
Sean vs. Typical California Construction Lenders
Most California lenders require two closings and leave you managing the draw schedule yourself.
Building Across California
Sean works with builders and developers across every California market — and nationwide.
Construction-to-permanent loans available for custom builds and renovations in Los Angeles.
Construction-to-permanent loans available for custom builds and renovations in San Francisco.
Construction-to-permanent loans available for custom builds and renovations in San Diego.
Construction-to-permanent loans available for custom builds and renovations in Sacramento.
Construction Loan FAQ — California
What's the difference between single-close and two-close construction loans in California?
What's the minimum project size for a construction loan in California?
Can I do a renovation-to-permanent loan in California?
How does the draw schedule work?
Can I combine a construction loan with a physician loan in California?
Can I include lot purchase in my California construction loan?
What's the typical timeline from application to breaking ground?
Ready to plan your California build?
90 seconds with Rosie to get your build budget. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.
Know California before you borrow
How closings work in California
Escrow and title companies run the closing; attorneys are optional, not customary. Expect a signing appointment with a notary rather than a closing table.
Taxes and transfer costs
Property tax is based on the purchase price and reassessed only when the home changes hands, so long-time owners and new buyers next door can pay very different bills. Supplemental tax bills arrive after closing and surprise first-time buyers.
Insurance that shapes the file
Wildfire zones drive insurance availability. In many areas the California FAIR Plan is the insurer of last resort, and a lender needs a bound policy before funding, so start the insurance search the day the offer is accepted.
Where people are buying
Los Angeles · the Bay Area · San Diego · Sacramento · the Inland Empire · Orange County. First-time and lower-down-payment programs run through the California Housing Finance Agency (CalHFA).
Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in California →