New Construction Loan Program

Working on a project from the ground up? Whether it is brand new construction or a tear down and rebuild, Navigator Private Capital can help. We will carefully analyze your project's parameters and timeline and use that information to craft a customized loan package.

Generally, we do require 50 percent down on the purchase of the buildable lot but will consider funding up to 70% of the cost of the finished property. We are rolling out this program across our entire lending area so reach out to us today for details. 

Give us a call at 443.603.0193 or or sign up here for more information. 

GeographyAll states except CA, ND, SD and NV. 
Loan PurposeResidential
Loan Amount$100K +
Loan ProcessPaperless, automated and online
PrePayment PenaltyNone
TermsUp to 24 months
Loan To Cost MaxUp to 70% of actual cost
Downpayment Minimum50% on the purchase of the buildable lot 
RatesStarting at 10%. The more money down the lower the rate.
Determination of ValueAppraisal ordered by NavCap using approved Appraisal Management Company (AMC) 
BorrowerLoans are made to business entities (e.g., LLC, Corps, etc.) only -- not individuals
Credit ScoreGenerally 600 or higher
Credit GridNo foreclosures, no open tax liens, no bankruptcies.
OccupancyNon-owner occupied
IncomeNot required
Environmental Feasibility and Environmental Impact studies required
StructuralArchitectural plans and building permits in hand. No raw land. 
Inspection Fee$250 per inspection
Navigator Private Capital, LLC 1910 Towne Centre Blvd Suite 250 Annapolis, MD 21401. Navigator Private Capital only makes loans for business purposes and is not a residential mortgage lender. Navigator Private Capital is exempt from licensing requirements in our geographical footprint except in MN (MN-BR-1732237). For questions about this license, contact MN Dept of Commerce by phone at 651.539.1600 or via email at This is not an offer to lend or to enter into an agreement. For more information, email us at