A ground-up construction project needs more than capital. It needs a lender that can review the deal quickly, understand the project, and provide clear next steps before an opportunity passes.
We Lend provides private ground-up construction loans for experienced builders, real estate investors, and mortgage brokers. The program is available nationwide across 46 states, with a strong focus on New Jersey, New York, and the surrounding metro market.
We Lend aims to provide an initial term sheet within one hour when enough information is available to evaluate the project.
Current construction rates start at 9.99%. Final pricing and fees depend on the project, borrower qualifications, financing structure, property, and underwriting.
Submit Your New Jersey Construction Deal
Call +1 212 777 7780 or email info@welendllc.com.
New construction financing with clear terms
Ground-up construction deals can be difficult to place with a traditional lender. Banks may take too long to review the project, while institutional lenders may decline a transaction that does not fit a rigid approval model.
We Lend reviews construction opportunities through an in-house lending process. The team evaluates the project, borrower, property, budget, and exit plan to determine whether the deal fits the program and underwriting criteria.
If the project fits the program, the team can provide a clearer view of the potential financing structure and next steps.
A ground-up construction loan in New Jersey should keep the project moving
New Jersey builders often need to coordinate land or property acquisition, plans, permits, contractors, budgets, appraisals, title work, and an exit strategy at the same time. A financing delay can affect the entire project timeline.
We Lend is built to review those details directly and provide a practical answer. The typical construction closing timeline is 7 to 14 days, depending on documentation, due diligence, title, appraisal, and project complexity.
Our team works with borrowers and brokers on projects that require:
- Ground-up construction financing
- A minimum loan amount of $500,000
- Up to 90% LTC, subject to underwriting
- A 12- to 18-month construction term
- Fast review of a defined project
- A lender familiar with New Jersey transactions
- Direct communication with the lending team
- A financing structure based on the actual project
Who this ground-up construction program is for
This program is intended for experienced real estate investors, builders, developers, and mortgage brokers with a defined construction opportunity.
Because prior experience is required, this ground-up construction program may not fit first-time builders. Exact experience requirements depend on the project and program.
A strong initial submission should include:
- Property address or location
- Purchase price or land basis
- Construction budget
- Project plans and scope
- Borrower and entity information
- Available equity
- Contractor or construction details
- Expected exit strategy
- Requested loan amount and timing
If some information is still being finalized, submit the deal details you have. The lending team can identify what is needed for the next stage of review.
New Jersey construction lending for borrowers and brokers
We Lend works directly with borrowers and also accepts submissions from mortgage brokers.
For brokers, the process is designed to provide quick feedback while preserving the relationship with your client. We Lend strives to protect the broker’s relationship and fees throughout the transaction.
Submit a deal through the We Lend broker portal or contact Jeff directly at jeff@welendllc.com.
